Thanks for the reply!
I was very tired last night, when I was trying to understand why my router would not accept either wifi MAC addy. But today, with adequate sleep, I've noticed that there are 2 wifi adapters on the machine which match the 2 different MAC addys I was seeing last night using ipconfig /all.
One is the a Realtek wifi adapter (hardware). The other is a Microsoft Wi-Fi Direct Virtual Adapter. BOTH are wifi adapters, just to be clear.
If anyone has also experienced this problem, please post if you found a way to stop this phenomenon, so that I can use that info to lock-in the use of ONLY the hardware Wifi card, not the MSFT Virtual one. The MSFT Virtual Wifi looks like a hacker's dream to me.
Many thanks in advance.