I deleted the question because I realized that I'd have to put the XFi router into Gateway mode. And I did that before with my Apple router. I still HAVE the Apple router, works great. Long story. But I have SO much connected (garage door opener, doorbell, washer and dryer, ad nauseum), I’m too lazy to re-do it all.
The problem with Xfi is that the modem works fine, but their router sucks. So, the workaround is the pods. (Kinda.) Since I bought the additional pods, it helped a lot. We only pay $20/mo for the Xfi modem/router, which is fine because it's constantly upgraded. And we are moving into a world where a LOT of this is going to change.
Edit:
I'm gonna see if I can get the WiFi 6 XFi (which I guess I can get at no extra charge).