I really appreciate your guys' postings on here. Oddly enough, I was having additional issues with this bug that was REALLY getting me to pull my hair out. My entire internet connection would actually pitch a fit and eventually crash.
After browsing the Forum and stumbling across the suggestion to delete files previous to 1.0.20, it ~seems~ to be working properly. But I did have to go in and manually delete the previously (prior to 1.0.20) downloaded files. *smirks* And just as a curious bit of info... I've got both Steam AND Civ on a drive other than C:/. Call me crazy, but it's USEFUL.
Anyways.... Thanks again, guys ^_^