Access denied! macOS upgrade? new hard drive?

Following this thread Not able to read files from MacOS Catalina got me a solution, though exactly why it works I am not sure. In System Preferences > Sharing > File Sharing > Options it works if I have SMB checked and fails if I also have AFP checked. I have no idea whether I needed AFP for anything else. Fingers crossed, I guess. Anyway I have Infuse Pro working again.