Thank you all for feedback on NAS boxes and connection tips and Mojave versus Catalina concerns
This insight gave me the ANSWER to fix my concerns...
trying the different connection prefixes one gave me the answer - cifs:\\
IT works for the MOMENT
not sure why it versus MD default answer of smb:\\ or afp:\\ or other concoctions of prefixes would change permissions to files...IT WORKS (more inquisitive research may be involved - why fix a broken command) !
Have tried it for several days, copied files and moved files - ALL working
no more calls to Apple or Western Digital involving permissions or Catalina on Mac OS 10.15.5 and external NAS boxes
A thankful new Macrumors users