OK, I don't know what's going on, I just got back to my computer, and now I know why I didn't see the little dots before, they aren't there now!
So the things I did earlier are still done, my custom folders are on the start menu.
But I decided to move my base My Photos' folder to Start and see what happens, and as happened earlier they didn't show up.
Why not?
I had the option when I clicked on it "Pin to Start" but they aren't there?
And there is no access to the second page, via the little dots.
OK, this is really dumb, they don't show up until I restart the computer, I haven't found any other way to get it to refresh, this was why I was having so much trouble earlier, there must be away to get it to update without restarting your computer. Maybe just logging out, but that's too roundabout too.
I though this was going to me easy.
It did add my Photos' folder to the start menu, though, with 20 subfolders just as it appears on my F:\ drive. So I can now access all my photos with one click on the Start Menu, and I've found anything you do to the original folder get updated to the start menu, like changing the name or the icon.
I think there is a workable process here, I just have to lean how it works.