I've now tried again to update my router, this time "in-person and on-site" at my remote house and it still doesn't work, but I have to now assume that it is due to my [vacation home] location being in my Spectrum digital cable ISP service being in "seasonal status" mode which restricts data flow somehow to only my cameras and security devices. Dunno how the service might recognize my router's attempt to download firmware but I guess that is the issue.
In any case I will now either download the firmware separately and do a manual fw update when next on-site, or just wait until next spring when my seasonal status ends and I have full Specturm access again.