@Jbob @george142 I will continue to test this, but so far - yes, @george1421 you are correct in your assessment.
@Jbob Not coarse at all - it’s a reality. Incidentally, re-installing the FOG client after the W10 version upgrade DOES NOT resolve the issue. So far the only thing that works is starting from scratch and letting W10 do it’s thing and THEN installing the FOG client.
I hope I am doing something really dumb and I am the only person experiencing this.