The machine is an ASUS Z490 motherboard.
I can now confirm the FAT32 partition is not necessary. The difference here may the the GPT configuration of the USB drive.
So, use at least a 16 GB flash drive, convert to GPT, create an NTFS partition and give it a drive letter then mount the .iso and copy over the files.
As a note, my Public 19042.964 just got the N&I on the taskbar..