After my last message, I followed these instructions.
Prior to syncing Contacts with iCloud, suggestd is still failing (via Console). i.e. there is no address book at this point. At this point, the Contacts app opens, although it is empty, of course. I note also, that Contacts doesn’t have the separate section for On this Device and iCloud; only All Contacts. If I try to add a contact, the Contacts app beachballs.
After syncing with iCloud, the Contacts app no longer loads.
In addition, while ~/Library/Suggestions is being populated in my test account, it remains empty in the problematic account.
The issue -- as I suspected back in October -- is most likely with suggestd (and the whole suggestions engine and a tight coupling with contacts therein) rather than Contacts and the address book. Without better diagnostics in suggestd -- which I fail to understand why Apple won't fix -- I doubt this be fixed. At present the script returns: 1. That's not meaningful. It's been the same for three months now.
Furthermore, if I turn off SIPs, attempt to load the Contacts app (upon which nothing happens), then later run launchctl unload /System/Library/LaunchAgents/com.apple.suggestd.plist`, the Contacts app loads.
I'm not sure what else a user can do here if Apple will neither engage nor improve the quality of its diagnostic messages.