I had no trouble flashing the boot.img without issue to restore my access to OOS. That wasn't the issue. I used the right magisk_patched boot. That wasn't the issue (confirmed this evening when I used the same image to root successfully after I erased my data). The payload dumper method was from this guide (
https://forum.xda-developers.com/oneplus-7t/how-to/guide-how-to-root-oneplus-7t-twrp-t3979307) and if the easier 1st 2 methods worked, I wouldn't have tried the 3rd payload dumper method (which got me another version of the same original boot image that I couldn't patch and get to work).
I could never reboot to OOS to install magisk manager and complete a direct install (either after a boot or flashing of the patched image), until I erased data.
Flashing the patched image works as well, it's just another method. I highly recommend reading the above thread.
A tip, you kind of need to know what a person has tried before making suggestions, let alone telling people what they must have done wrong or that they wasted time by using the wrong method.
I highly recommend reading the above thread to learn how to respond to people without coming off as condescending and overbearing. I lot of people tried to help me there and I was very appreciative of how they tried to assist.