Finally, after deleting and recreating the download folder, the download location issue is solved.Well, now, in General System Preferences, it shows where I asked it to download to (where previously it showed the wrong place), but it still actually downloads as in "2)" above. And one more anomaly. In the Users directory, where accounts are listed, there is a weirdness. My account is actually "name 2", but the account shown as Home in the folder is "name 1 2". Whenever the system shows the account name - on the login screen for example - it shows it correctly as "name 2". Can I simply correct the account name in the folder without affecting the operation of the account?