FOUND THE ANSWER!!! (at least for Win11 Home 24H2) File sharing is now working!!
The Microsoft tech discussion is here: https://techcommunity.microsoft.com/t5/storage-at-microsoft/smb-signing-required-by-default-in-windows-insider/bc-p/4285348#M1851
Need to turn off RequireSecuritySignature in the 24H2 client.
To see the current SMB signing settings, run the following PowerShell commands:
Get-SmbServerConfiguration | FL requiresecuritysignature
Get-SmbClientConfiguration | FL requiresecuritysignature
To disable the SMB signing requirement in client (outbound to other devices) connections, run the following PowerShell command as an elevated administrator:
Set-SmbClientConfiguration -RequireSecuritySignature $false
To disable the SMB signing requirement in server (inbound to your Windows 11 Canary Insider Enterprise, Pro, or Education edition device), run the following PowerShell command as an elevated administrator:
Set-SmbServerConfiguration -RequireSecuritySignature $false
To access PowerShell as Admin, Press Win + R keys together to open Run.
Type PowerShell in Run and press Ctrl + Shift + Enter keys together to open the PowerShell prompt with administrative privileges.