I make zero claim of any significant understanding of the actual physics of it. So perhaps I should simply shut up...
No, don't shut up. You're one of a FEW posters at FR that actually reads posts and responds intelligently!
Ditto, engineer, hardware electronics and optics, 35 years.
The fact is there are some optical phenomena (like the F-P Interferometer, or Young's Double Slit experiment) that just can't be explained very well by using photons. And conversely, (as Einstein demonstrated with photocells in 1905) there are some effects that just can't be explained well by waves. That's why they call it the wave-particle duality.
--Boot Hill