I got a very helpful reply from Simon in tech support -- he asked two simple questions:
1) did I have "upgrade from previous version" checked or unchecked
2) did all 90 or so files listed complete the download and install

I did indeed check the box for "upgrade from previous version" thinking that I should be honest with the software and that I would still get everything installed. I was definitely wrong about that!

The one-click download-and-install program only showed 12 files to be installed when I had the upgrade from previous version box checked. I just ran that program to see what would happen, and when I UNchecked that box, all the 90 or so files that Simon had asked about appeared. Why any installation program wouldn't guarantee that everything a person has paid for get installed escapes my ability to understand.

Needless to say, I am now running a complete install from the hard-drive version of BIAB2022.

I wonder how many other people thought that having that Upgrade From Previous Version box checked would still get everything they had paid for installed?

In any event DON'T check that box if you want everything you've paid for to be installed.