I've dropped the Publication and I've started over completely.   It says the Snapshot is fine, but still getting the same Truncate Only error.  I tried targeting two different servers as Subscribers.  Both get same error.

As a test, I created another Publication as well, on a different database and it worked fine. 

As another test, I created a publication on the same database, as a snapshot, but with only 1 table and it worked fine.

Third test, I created a Snapshot publication with all 20 tables that I need replicated.  This one also failed with the same error.