Wow... great call Ray. I applied the upload code to the confirm page but KEPT the actual upload on the checkout page (I tried it both ways actually) but putting the upload code on the confirm page made everything work. Now I can upload from the checkout page apply the image name to a session variable in the confirm page and display the actual image using the session variable as the image name on that same confirm page - which is exactly what I was trying to do.
Hopefully this will help others as well... but you sure helped me. Thanks again.