OK, I THINK I found the answer to my own question. I have NEVER seen this as a possible cause of the factory screen savers not going on with Windows 10 (BUT the 'net is a big place!).
There are TWO ways to turn on the screen saver... or there USED to be. I have always RIGHT-CLICKED THE DESKTOP, the old-fashion way, to turn it on. That doesn't seem to work anymore. It simply goes into various display settings within Windows.
This could have nothing to do with the issue, but one setting I found had to do with 3D RENDERING. I made sure to disable it, just in case:
Next, I went into the LOCK SCREEN page, and when I clicked on SCREEN SAVER SETTINGS, I found the s.s was OFF, even though I never shut it off!
SO MAYBE it is actually the graphics card/system that keeps shutting the screen saver off. I know recently the computer switched the CPU graphics back on on its own.