So I fixed it, here's how:
buy another NON DELL computer.
I have been a Dell guy for a long time, the last 2 brand new Dells I bought would not run iCloud. One factor could be one was an i3 and the other an i5 -who knows. All I know is I bought a pretty beefy powerspec from Microcenter with an AMD Ryzen CPU and it loaded and RUNS iCloud MS store app perfectly. NO firewalls bypassed or other crazy suggestions in this thread, runs fine now on this new PC.
I would be curious to know how many of you having issues are using a Dell PC (desktop). ALL my Dells for the last 5+ years (all Windows 10 upgraded to 11) ran the iCloud app just fine. So eh I have to blame Dell on this one, at least in my case.
Hope this helps anyone out there