Why does command up (⌘↑) from /Documents take me to /iCloud instead of /Users?
Solution 1:
@nohillside @Marc Wilson thanks for the tips. I wasn't aware of making the choice to store my docs & desktop, but clearly I had. My first clue was that in Terminal, the prompt wasn't /Users/~me it was something like 'ivm123xz..' a string I'd never seen before.
I did another fresh build and turned iCloud off. ⌘↑ Now works as expected.