MacBook Pro 2019 recovery after migration assistant

Fun!  I got a new macbook pro 2019 (that came with macOS Catalina) and decided to try out the Migration Assistant from my old macbook pro (which was on macOS High Sierra).  The migration ran successfully, but soon after I decided I would prefer to have a clean slate machine to start off from for various reasons (Applications, tools, and languages I commonly use have changed through the years, etc).

I ran through the instructions to reinstall macOS from macOS Recovery:
Try 1:
- Selected "Reinstall macOS"
- Took recommended option and chose "Reinstall the latest macOS that was installed on your Mac"
- Decided not to erase the disk
- Warning with "An Internet connection is required to install macOS"; I went back to the step to connect a Wi-Fi connection, which is available while in macOS Recover, and set up the Wi-Fi connection.  (It didn't remember the connection I had set up originally during the Migration Assistant, or the one I manually set up after I created the initial admin account)
- Agreed to the macOS Catalina terms of the software license agreement
- Selected the disk "Macintosh HD", unlocked it, and started the installation
  - The login screen came back with both my user accounts once during installation
- The login screen came back with both my user accounts after the installation was complete (I wasn't expecting that, was expecting for me to set up a new account again)
  - Checking the Applications, all the same applications were still usable <= Problem!
  - Checking non-Applications, still usable  <= Problem!
- Decided to run through the instructions again, this time erasing the disk

Try 2:
- Selected Disk Utility
- Clicked View -> Show All Devices
- Confirmed the container is using "APFS Container", named the disk the same name as the existing name "APPLE SSD .... Media" format type and erased the disk
- Quit Disk Utility
- Set up the Wi-Fi connection
- Selected "Reinstall macOS"
- Took recommended option and chose "Reinstall the latest macOS that was installed on your Mac"
- Agreed to the macOS Catalina terms of the software license agreement
- Selected the disk "APPLE SSD .... Media", unlocked it, and started the installation
- The "complete setup screen came up" as it did when I first opened the macbook.  Success!
- After setup, I did verify that the Applications and non-Applications from the migration were no longer usable.