Finally Figured it out - it seems to be a boot disk format issue ... i changed my boot disk to GPT and it installs fine now... figured it out by fishing around on a friends computer that it installed fine on last year... !!!!!
i have all the other Windows 11 needs covered except that i haven't enabled secure boot... and i was still able to get rid of the critter - may be that EUFI and GPT are the two critical factors for this update... MSI MPGx570gp nvmeWDgreen1Tb ...