PIV certificates and Big Sur

I have googled many times and read posts similar to this question but I haven't found the solution or perhaps a reason why PIV certificates work the way they do. My PIV cert is a military CAC and I have done all the steps at militarycac.com

My scenario after doing the many things I found to try to get PIV certs working is that they work for most things but not for 3rd party apps that pop up a window to choose a cert. I have paired my CAC with my mac's user account. It works to unlock the screen, for sudo in terminal, I can get to all needed websites in both safari and chrome. From this perspective it seems the CAC is working just fine.

But... when I use either Pulse Secure or MS Teams and I get to the point where the window pops up and asks the user to select the cert, it is blank. According to Pulse Secure's website it should work with Big Sur. I have no other apps that use certificates so I assume that it is not working for all apps that request the user to select an app. I also assume that the window is populated from Keychain access

CAC does not show in Keychain Access and I guess PIV certs don't (maybe that should be fixed). CAC info does show in command line tools such as scauth, etc.

I do not have any CAC enablers installed, but did prior to Big Sur. I have gone through the remove steps several times.

I have not reloaded the laptop from scratch and will eventually but have to move a lot of files off first.

Does this behavior have anything to do with not having a T2 security chip?

I am hoping someone knows of a plist file or command I can run that will make my certs show in the select certificate window for 3rd party apps :)