Super thanks, JRP! That did the trick.
I found the lock on the left side by slowly sweeping the bar toward the stop. It's not at full steering lock position, like so many bikes. Rather a good bit away. It takes a fair bit more pressure on the key (pushing and turning counter-clockwise) than I'm accustomed to. I missed the spot several times before finding it.
Kind of a tricky to locate. Maybe mine is just rough around the edges and will wear in better over time. Careful everyone, don't force it and break or bend your key.
That was easy and painless. Who can answer my other two questions?
Oh....I have more. I'm won't run out of stupid for a while.