Sorry, I edited the previous post while you were replying.
But yes, some of this I’ve figured out. It just took some time. This whole experience illustrates exactly why I DIDN’T select Hubitat, and tried but abandoned Home Assistant platforms. I did not want another hobby or job. My expectation was that “Works with SmartThings” meant what it said. I had a similar issue with Z-Wave Honeywell thermostats, but I got them working (or Samsung did). But I know, I’m preaching to the choir. It’s a shame, the Eaton devices are solid.
Ultimately, I don’t want to be a “power user”. I just want things to work. 
I’d love to see everything moved to local control (à la matter), but I still don’t care to know “how the sausage is made”.