Let me just explain more fully where I ran into problems, in case anyone else experiences this too. The Alby app store has an app called nostr wallet connect ( lower left in the photo)

I used this app to originally connect to SN for send only. When I tried to set up a receive connection today, it failed, prompting this post. So far as I can tell, you cannot edit the permissions on this app. It appears to let you, but it reverts to full default permissions before the secrets are generated.

Now I will see if there is any noticeable difference from receiving through NWC connect versus a lightning address.