Well, I put enough time for a holiday ... did a Master Reset, installed 21098 that had been downloaded via USB, it rebooted itself and TL worked! Did a Master Reset ... and TL worked ... ONCE. Next key start after pairing my phone, etc, no go. Plus, my Ford Pass will not reactivate the vehicle at this time so I've lost my connected services. (I note that Ford is switching me to a "new" owner page so perhaps they are playing with the back end over the holiday weekend.)
I'll switch back to 20282 ASAP because I actually use TL, especially the traffic notifications.
Really, REALLY, pi__ed at Ford for this mess!! I can somewhat understand 21020 breaking something, but to take more than a month and then issue an update that doesn't solve the TL problem is frankly inexcusable!!
Have a GREAT holiday, fellow Explorers .... other than this it's still a terrific vehicl