I understand that a 'clean install' essentially creates a 'new Mac'. I did follow the steps in the Apple Support document and did indeed use Migration Assistant following the steps in the Apple Support document.
HOWEVER-- I must provide some embarrassing follow-up: I discovered I had used the same external drive for Time Machine back ups from 2 different Macs (both Macs under same user and both still on Mojave at the time) and carelessly selected an incorrect (older) TM back-up from which to migrate. Doh!
My fix: I found my latest pre-Migration back up file in Time Machine (in Locations- latest pre-migration date back up) and retrieved my needed files/folders (by opening the proper back up, locating & selecting the needed files/folders, and using Restore button). It was a bit tedious but I was able to get all my files together on my (clean install) 'new' Catalina mac. I suppose I also could have Restored from that last pre-migration back up, but then I would still have had to back up all my work (files/folders/etc.) since the Catalina install anyway.
FWIW- the individual file/folder Restore process only worked for me by booting the Mojave Mac (which had created the TM back up) with the Catalina Mac connected as a Target Disk. Running the Catalina Mac 7 tying to Restore files from that Mojave-created TM back up gave me a consistent error message---- " 'file name' can't be modified or deleted because it is required by the OS". No idea why (perhaps due to file structure difference between Cat & Mojave???)