Yes, my issue was with getting the pop-up menu with accent choices when I did a hold on certain keys. That used to work, but what happens now is that the letter just repeats. Yes, I know the option isn't available in all apps, but surely it should work in Pages and Notes. I'm pretty sure it used to work in Thunderbird, which is my email client, and in OneNote.
Anyway, it did work properly in safe mode, but not when I created new users. I first tried making a "guest" account, but it didn't seem to offer the option to do anything but use Safari. Perhaps I missed something. So, I created a different version of myself as a user, but did not offer admin privileges to "my other self". When I tried doing accents in Pages, I just got repeat letters, no pop-up menu offering me accent options. My letters of choice were 'a' and 'e', but in safe mode I got lots of options with all the vowels, and also some other letters, such as 'l', 'c', 'h', and some others.
I did update my OS after I posted the above request for help. I'm now on 12.6. That update didn't help.
Thanks for working through this with me.