Well, this is a perfect case of not being able to see the tree for the forest. Or as Homer Simpson would say, "D-O-H."
It is now submitting and uploading, but there are no files attached to the received email, although they are uploaded to the server, and the basic email I receive is skipping over the file upload fields in its array of form fields that it reports.
I did run across one other problem and maybe I am going about this the wrong way, but I am trying to restrict file uploads to only jpegs or PDF files and I used the restrict content validation to only pass certain filename extensions but it doesn't seem to be working since I uploaded a tiff file this morning which is a disallowed file extension. Is there a way to only pass allowed extensions rather than disallowing any other extensions?