OK, got my funds recovered. Ty to Zeus support and the others who chimed in to help.

Not sure what went wrong with Zeus, but I was able to import the seed into Sparrow and that wallet could see & move the money just fine. Didn't work on the first attempt because BlueWallet doesn't support Taproot (yet)

Zeus has had multiple issues for me, but never lost my money entirely. I'll be playing with smaller amounts going forward.