I actually made all the changes before I posted, in case I had any issues.  Did not have this issue, but good to know.

FWIW to the rest of the world, as noted above we are coding every email value that has a name so we can minimize issues with our mailings.  MFS (married filing single) has the section for spouse open, but the contact info closed.  This trick let us populate the spouse emails value with a "Do not send" code.  Again, the issue of a name with no email is a problem for specifically mail merges.