After updating to 2004 (knowing about the potential problem after previous experience), I put the ProviderFlags w/value 1, rebooted, and still no access.
Ran all MS updates post-2004, including a driver update for WD NAS, rebooted and still no access. Looked at my Programs and Features and somehow the box for SMBv1... was unchecked - re-checked upper level option and rebooted, still no access. The 2nd SMB
option in P&F for SMB Direct was already checked. Looked in the Group Policy editor to verify setting for the Allow Guest Authentications, and it was still set to Enabled. After rebooting one more time, still no access.
Turned out, that policy enabling didn't actually set the value in my registry for it - HKLM\SYSTEM\CurrentControlSet\Services\LanmanWorkstation\Parameters\AllowInsecureGuestAuth
- to "1". Set that to 1 and my access started working again - no reboot needed.
Not sure how some of those options got turned off, could have been from my first attempt to load 2004 & get SMB to work again, but they had been
turned on prior to this 2004 re-install.
So, if I had left my original SMB manipulations in place, using that ProviderFlags tip might have worked from the get go. Still ended up working, so thanks for the tip.