So, I think this says that changing the value of a UserForm text
box *after* exiting the Init Sub (but while the Form is still active)
will NOT fire  the text  box change  event (if events  are disabled),
right? This could be.

I did not try changing the values  after *exiting* the initialize
Sub. ..Because... It seemed to me that the initialize  Sub would be
the logical place to 'initialize' things in the UserForm. Duh!
Allowing change events here seems dumb to me because I *know* that
I am changing them and therefore, don't need an event  to detect
changes...whatever...

Deleting the Initialize Sub *altogether* solved my problem. I now
load the TextBox values before Showing the UserForm; the kind of
initialization I was after.