I hope this will help someone in the future. I was able to get everything working. My issue was the first line in the SYS.TXT:
I didn't need it. I had tried to delete the SYS.TXT file in testing but I was getting different errors and the whole process was getting confusing to keep track of what I tried and what I didn't.
I can confirm that formatting my SD Card in a MAC was and is not an issue. Thanks to all on this board (especially Darko) for their help.