Yes that is what I am saying - downloading was very inconsistent. Rebooting way before I finally did might have fixed the hiccup sooner but I just waited.
After reboot it should just continue on from where it was at the point when you rebooted
Over the years I have had insider downloads the the progression meter still says 0% through the whole download and all of a sudden it is ready to install so I don't go by what it says for sure