Thanks so much for the help. My initial problem was I was trying to access the Microsoft page on a MacBook. On an HP I got the installation USB option. Weird.
I tried many times, in vain, to get it to work. When I chose the Install Windows only option, set Up cannot find a drive to install to. And no options to find one myself. When I chose the Upgrade option I can't do it from installation media.
I had emailed the EFB buyback peeps. The first reply was just the form letter stating buyer beware. A bit ago, though, I received another one stating they were going to make it right and send me another.