I'm running Windows 7, not 10.Well, sure.
But why the MCT cannot be used is a different thing. And a very weird thing.
Any fully running Win 10 OS should be able to use that, and create a valid Win 10 USB to install from.
I spent over four hours Googling this and trying anything that was suggested and nothing worked. I just want to wipe that drive with a clean install and move on.
I'm off for President's Day tomorrow; that's why I planned this for this weekend. This is the machine I use for both business and personal. I've got to be up and running tomorrow and back in business on Tuesday...
Thanks for all your help.