SOLUTION! (Maybe Imperfect)
After downloading hundreds of photos, selecting one at a time, I decided I'm done with iCloud and stumbled upon a way to download all the photos:
On your iPhone, in Settings-->Photos, if you disable iCloud for photo storage, it asks you if you'd like to "Download photos & videos" to your iPhone. Click on that, then connect to your Mac and then use Image Capture to download the photos from the phone.
😟 Bummer I figured this out after all the work. Not to mention that the downloading process skipped TONS of photos. Probably because I downloaded them in batches and didn't wait until downloads completed before selecting the next batch, which works fine with other apps, etc.
I know this isn't the place to say this, but I don't care; I'm breaking up with Apple. One frustrating issue after another on two iPhones, two iPods & two Macs, for four of us. I'm sure some problems are user error, but Google Drive is intuitive and just works for us , always. I feel like the very rich Apple has become mean. I'm very sad, I've been an Apple guy since 1989, but it's time to say goodbye. I'm just glad I could retrieve my photos.