22.x installation fails

This was old the FIRST time I waited 25 minutes while Photoshop "updated" then failed at 96%.  Now it's been doing it for the last several updates and it's way beyond annoying.

Windows 10 Pro desktop.  Plain, ordinary system.  Running current version of Photoshop.

Creative cloud pops up and says "there's a new update".   Shut down Lightroom, Bridge, Photoshop and tell CC to update Photoshop.

Wait through the interminable download, and it FAILS.  Look at the error and it says:

xit Code: 184
-------------------------------------- Summary --------------------------------------
 - 2 fatal error(s), 2 error(s), 2 warnings(s) 

FATAL: Error (Code = 184) executing in command 'MoveFileCommand' for package: 'AdobePhotoshop22-Core_x64', version:22.3.0.49
FATAL: Error occurred in install of package (Name: AdobePhotoshop22-Core_x64 Version: 22.3.0.49). Error code: '184'
ERROR: CopyPrimitiveEx | GetAnyOperationsAborted failed with error: 0
ERROR: CopyPrimitiveEx | GetAnyOperationsAborted failed with error: 0
WARN: Unable to delete file at "C:\Program Files\Adobe\Adobe Photoshop 2021\adobe_caps.dll". Error 5 Access is denied.
WARN: Unable to move file at "C:\adobeTemp\ETRF84C.tmp\1\Application\adobe_caps.dll" to "C:\Program Files\Adobe\Adobe Photoshop 2021\adobe_caps.dll" Error 32 The process cannot access the file because it is being used by another process.. Try setting correct permissions to the specified file/folder or parent folder, so that admin has rights to modify it.

Try to DELETE the file the ADOBE installer says is locked and I get a popup that
"The action can't be completed because the file is open in Creative Cloud Helper"...
Do I understand this correctly - Adobe Creative Cloud is TRYING to update an Adobe product, and CAN'T because the Adobe Creative Cloud Helper has the file locked?