I think I got this fixed. This information, https://learn.microsoft.com/en-us/answers/questions/2286822/recent-files-missing-from-file-explorer?page=1#answer-2066268
Following #2 item on the page,
- Check Windows Personalization Settings A system-wide setting also governs the display of recent items across Windows: Open Settings (Windows key + I). Navigate to "Personalization" and then select "Start". Ensure the toggle for "Show recently opened items in Start, Jump Lists, and File Explorer" is turned on.
Except the option is actually "Show recommended files in Start, recent files in Explorer, and items in Jump Lists". Once I toggled that on, I can indeed show recent files in Explorer-Home.