First, I thank everyone who responded and it helped. I have now got Ubuntu 20.04 installed and running on sda4 (Windows 10 on sda1). What worked was this.
My first successful step was following the instructions in the suggested "Creating bootable installation media for Ubuntu" which involved installing Rufus to do changes needed to my USB flash drive. I had already downloaded the .ini file for 20.04.2.0 and was able to copy it onto the drive.
Then, as suggested, I restarted and chose EUFI Partition1 and it went, after checking discs, to a Welcome Page. Making choices of language, etc., then I did a normal install, alongside the Windows Boot Manager. I took the default allocate of disk space: 547.5 Gb for files (sda3) and 451.4 Gb for Ubuntu (sda4). It then formatted partition #5 as ext4 and continued to asking me where I am (suggested Denver, which is OK for New Mexico). And then name, uname and password, etc. It began retrieving and unpacking files and, after some long time, came to "Installation Complete." Very smooth, thank you developers.
Restart gave me a log-in window and I proceeded from there. What I wasn't quite expecting was a 461 MB update, which also took some time. Then I went to lunch.
For what it's worth, something which I had earlier tried was to get and install Ubuntu (on drive C:) from Microsoft Store. I do not recommend that, as I could never get a graphical user interface, even after installing startx.