First of all, thanks @dialbrain for your support and suggestions with this tricky situation. After speaking wth 4 Senior Apple Advisors over the past few days, I have a solution to the problem of APFS, Catalina, a total inability to make my external HFS+ RAID drives bootable on my new 16" MacBook Pro by following Apple's online instructions and the growing fear that I might now have to replace my 36 TB worth of Archive drives with SSD's.
Here is how it worked: I used 2 older MacBook Pros - a 2015 and a 2012, which I'm now about send back to Apple for their refund deal. For High Sierra my 2012 MacBook Pro had High Sierra installed, and I simply searched Google for "get macos high sierra" > Downloaded the installer > made sure the drive I wanted to install on was formatted with the Scheme: GUID Partition Map and the Format: Mac OS Extended (Journaled) > Opened the installer > chose my RAID drive > clicked install > and followed the online instructions > installation began > the Mac restarted and installation completed > then I tested the installation by restarting from the RAID drive with the new installation of High Sierra > Later when Catalina development has settled down, and when my 32-bit apps have been replaced by their developers with 64-bit, I can replace High Sierra by using the normal instructions to update my OS.
I'm not going to list all the problems I encountered when trying to update disks to APFS and installing Catalina directly (some of them are above). I can just say that this has worked. And unless there's some unknown problem, tomorrow I will have another HFS+ RAID drive - this time with Mojave installed. And with this I can boot from all my backups, keep using Carbon Copy Cloner and my beloved Glyph drives. SSD's of course are no problem updating to Catalina. It was just HFS+ and RAID drives that drove me nuts.
One final thing - the story that Macs can no longer boot from RAID drives is not true and I hope this helps someone else with the problem. I could not have done this without the Senior Advisors at Apple and the Apple Support Community.