SUCCESS!
I guess I had to write about it to think about it. (sorry VW engineers for being frustrated with you)
I miss understood some of the options.
To recap, I am using VW2020 I saved the Sketchup model in version 2019 since VW gave me a message my v2020 sketchup model couldn't be imported.
In VW, I imported the sketchup model with the following things checked in the dialogue boxes. here are screen shots of the options to check. The model came in with all sides rendered.
The biggest caveat to share is I am a landscape designer, and my sketchup model is basically a rendering of basic outside shape of things with siding to better present to client. (I simply have an easier time quickly modeling things in sketchup) So I cannot speak to walls and windows and doors importing correctly.