well, had done everything that Just19 listed, but before I heard from you, Bald Brick, I went back into control center and turned off the synch, went and changed my timezone to another, got the message about hw clock/utc told it no, changed back to correct timezone. Rebooted, rebooted again to check the bios and the clock is correct for local in there YAY
On your advice I have now looked at adjtime and it is set to LOCAL. So hopeful, I am now going to back into control center and try turning the time synch on again. IF it changes the hardware clock to UTC, I will turn it back off and leave it off at this point. Easy enough for me to check it now and then to make sure it doesn't get too far off. I keep an eye on my CMOS battery level anyway since I hate to lose BIOS settings so time should not get off by much.
Will update and mark solved if it doesn't make it go to UTC. Probably there is something to Just19's order - it seems like a dance you have to choreograph and it really is only a problem if you use windows a lot. Thanks all