So, my Bluetooth issues weren't resolved by rolling back versions in developer settings as suggested in this thread (appreciate the suggestion). So I opted to do a factory reset and try my luck ... BUT before I did I removed my T-Mobile SIM card. Once I got through the initial setup (still with SIM card removed) I checked for update and there it was

Coincidence?? Find that hard to believe ... Why would my T-Mobile SIM be holding up an update on my unlocked Pixel 3 purchased directly from Google??