Okay, I think the issue is that I was supposed to create a "watching-only wallet," which isn't clear from the online tutorial. Then again, this step is probably implied to anyone who's not a newb.
THANK YOU for clarifying this. I too was following
https://electrum.org/tutorials.html#restoring-seed and couldn't figure out how to create a seedless wallet (Windows). I never thought about selecting "Create a watching-only version of an existing wallet", although as you said, thinking about it, it's "obvious"
.
It might be worthwhile to get this mentioned explicitly in the next revision of the tutorial.
- Dave