I did not try anything other than:
Normal Boot, my login (admin),Safari, Save As, “NAME” in Downloads folder.
open Finder, “NAME” is not listed in the Downloads folder (or any other iCloud or Mac folder)
If I search for “NAME” from the Mac Search (magnifying glass icon top right Mac menu) then I find it (in the Downloads folder and it opens in Adobe as I saved it as a pdf)
Once opened it then appears in Finder like I expected it should have to begin with.
I have had this issue probably since a recent upgrade.
As for Etrecheck… I have not used it and it’s not in the App Store (so I won’t)