Appreciate the complete details of your concern, @newolduser.

Allow me to furnish you with information on how QuickBooks Desktop handles your QuickBooks Online company file when undergoing the conversion process.

When exporting your QuickBooks Online information to QuickBooks Desktop, there are some information that will not be included. Reconcile reports, due to their special nature as a static report, are not exported.

For a more comprehensive list on the limitations of exporting process, you may check out this article: Export limitations - QuickBooks Online to QuickBooks Desktop.

To resolve your reconciliation concerns, you may visit this page: Reconcile an account for multiple months or years of transactions and financial statements.

Please don't hesitate to visit us here in the Community if you have other questions about converting your QuickBooks Online company file.  I'm always here to help.