After much weeping and wailing and gnashing of teeth, and much online research, I found an obscure thread in reddit, and tried what it recommended.
First, open the spreadsheet and click the "x" to cancel the "check performance" banner. Then go to the "Review" toolbar and click on the "Check Performance" button. When the side panel opens, make no changes, just exit out of the side panel. Then, immediately save the file and close it. Then go back and re-open the file.
Don't ask me why, but this seems to have worked for me... I no longer get the annoying pop-up!
Hope this helps some of you.
Addendum: After experiencing the initial success, I decided to test the "fix" from other workstations on our Local Area Network. The pop-up no longer occurs for that file, but still occurs for other files. The "fix" appears to be "file-specific" not "workstation-specific".
Addendum: I have had several people say that it worked.... one that said it did. It worked for me with two different files.... maybe it was the whole thing at the cross-roads the other night.....