The images save fine now. What I changed? Not much.

In KStars/Ekos/Indi Control Panel:
Under the tab GPhoto CCD, tab Options:
"Force BULB" set to Off instead of On.
"Debug Levels" to include "Driver Debug".

Tested with settings in Ekos "CCD" tab with settings as shown below.
Exposure: 2
Count: 2
Delay: 3 (This might be important; see www.gphoto.org/news/ section: "libgphoto2 2.5.26 release" )
ISO: 100
Etc.

In Camera:
Controls:
M modus
AF set to AEF (should not be relevant)

Settings:
Camera Tab >
4 >
ISO set to 100
DRO/Auto HDR set to "Off" (This might be important)
5 >
Long Exposure Noise Reduction (NR) set to "Off" (This might be important)
Utility Tab >
5 >
"Format" done but was also done before so should not be relevant.
6 >
"Version" checked to be the latest 3.20

I suspect the delay or the BULB thing fixed my problem. Hopefully it will yours too. Happy - 2021 - New Year!

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