Q: Access iCloud Photo Library on iPhone

iPhone 6+ 128gb
Running latest software
Plenty of memory left on the phone

I recently went to Apple to try to fix a very small software issue (safari repeatedly crashing) I was having with my phone.  The solution? A clean wipe of the phone.  So that's what I did.  However, I went home with what should have been a resolved issue, and it was still being funny.  Being me, I'd rather have a glitchy safari with all of my previous settings and apps in tact on my entire phone than to have a glitchy safari while trying to scrap my phone back to a sense of normalcy.  That being so, I restored my last backup (which was from the previous day) and had my phone "return" to me.

Unfortunately, I can't seem to get the photos from my iCloud to appear on my iPhone.  I can see them on my PC via iCloud.com, they're definitely still there, but I have NO idea how to return them to my phone.  I've tried to toggle the iCloud Photo Library button in the iPhone settings, but that didn't work, either.  I don't even mind if they don't return to my iPhone (although, ultimately, I'd PREFER that as I tend to look back over time at photos of my children and make collages with current photos), but I just want to be able to ACCESS them.  Like...anything at this point, really, to be able to see the photos on my iPhone.

I've tried to search all over on how to accomplish just accessing the photos from icloud to iphone, but everywhere only gives advice on moving photos from iphone to icloud, which I'm perfectly capable of doing.  It's just the reverse which seems to be troublesome.

Can anyone help?