I have now spent 2+ hours on the phone with a "technician" in the Philippines who does not listen, does not ask questions, does not seem to understand what this problem is.  I have tried to create a new template by both copying my old body and by completely typing the body and neither of the new templates resolved the problem. The "technician" did send me these instructions: 

Learn what to do if emails aren't using a template you created.

If you created a new email template and sent emails but QuickBooks still uses your old template, don't worry. Here are two ways to apply your new template.

Solution 1: Copy and paste the correct message before sending the email

1. Go to the Edit menu and select Preferences.
2. Select the Send Forms menu and then the Company Preferences tab.
3. Highlight the template you want to use and select Edit.
4. Copy the message body text.
5. Go to the File menu and select Send Forms.
6. Select the email you want to send. Paste the copied text into the body section. Note: If you're using QuickBooks Desktop Enterprise, you select Edit Email first.
7. Select Send Now.

Solution 2: Reset your email later settings

1. Find and open the transaction you want to send.
2. Select to uncheck Email Later box. Then select Save & Close.
3. Reopen the transaction. Select to check the Email Later box. Then select Save & Close.

This puts the transaction back to the email queue. It should now use your new default template.

and Solution 1 worked except that I normally bold type my invoice # in the body and I can't with this procedure.  Also, it normally takes me an average of 5 minutes per invoice to complete my entire process and this will be adding additional time to my process.  When I am processing 200-300 invoices, this is not acceptable.  I only send out about 20 Aging Reports each week and this happens with that as well.

This "technician" continues to state that the problem is because my 2020 desktop version is discontinued when it doesn't sunset until May 31, 2023 and that when I upgrade it MIGHT resolve this problem.  I have been using QB for 26 years and this is not an answer I want to hear.  I might actually have to find a new software for bookkeeping.