A:Answer I share a related issue and solution.
Related issue… with the Zagg 9.7” folio,…
… in Notes, there would be a bold yellow border on the left list of notes or on the right note…
… in Numbers, there would be a bold green border around the spreadsheets…
… and the arrow keys did not move the cursor for typing but looked to do something else I just could not figure out enough to describe it
Thanks to this page, I went back into Settings / Accessibility / Keyboard one more time, and I found
Related Soltion:
Hardware Keyboards
Full Keyboard Access
Turning this off has the keyboard working without the bold borders, and with the arrow keys moving the cursor as expected.
Thank you to this group for helping me find this!