I called support early today and got a case #. The tech told me he saw "nothing on their end" about this issue and put me on hold to check other sources and came up with the same answer. He finally recommended a Catalina re-load and scheduled a call back from Apple in two hours to check results with the assurance that all we talked about was written in his notes. The re-load went smoothly but didn't correct the error and I never got a call back so called back myself later this afternoon.
The tech I talked to this time said "not much written down." (Grrr). He did find an internal Apple thread on this issue and bumped me up to "Senior Mac Support." This tech and I spent about 90 minutes going through numerous diagnostics, screen sharing, and finally uploaded two diagnostic files to Apple. He said Engineering normally takes 2-3 business days to respond. He hopes to call me back in 48 hours. If not then, this next Monday, and worst case we have a call scheduled for a week from Monday. I got an email from him with a direct phone number and his emphasis that I could email/call if there were problems.
As a data point, Time Machine works fine went retrieving files from the Finder menu. It's only Mail that's a problem. Also, the tech said that reverting to Mojave for email retrieval is a viable option based on my last Mojave backup.
Lastly, I've painfully learned to muzzle my genetic urge to upgrade immediately after new software is available. As I read the blogs with 20/20 hindsight from people much smarter than I, it's clear that many of them are in a "wait and see" mode.