No, it was not at a Home Screen nor asking for a passcode upon first waking it up; Yes, I started with the 'Hello' screen and followed the directions on the phone to set it up, (my first query to you was trying to ascertain if I needed to set it up in order to check its functions, which you resolved for me that 'Yes, I needed to set it up') and yes it did take some time, Apple ID, etc to get it up and going. Then I was able to check the battery, and had begun to run through the other features when I realized the camera was glitchy. I have still not put a sim card in it (so couldn't check the phone functions), but am assuming that a lack of sim shouldn't have any impact on (some, not all of) the camera features?
If you think that might be the case I can certainly insert a sim card, I'm just nervous about exposing anymore of my info onto an as yet unproven device.
The only hitch I may have introduced was perhaps interrupting the data transfer from an old phone as I was trying to set it up manually and I had inadvertently started with the wrong 'old phone'. I know I'll need to do a clean wipe , ie, Factory Reset before returning it, and could also try to set it up again more carefully and see if that 'cures' the camera glitch, or just let it go and start over with another device.
I've contacted the seller who has readily agreed to a refund;
Thanks again for your help in working through this all.