Got it to work. On Kobo, I didn't even change my address. I removed my credit card, left my address as is but changed the country to UK,
By entering no credit card info, at checkout, it offered me PayPal. I bought my first book from Kobo!
Now, I did hit bumps downloading from Kobo. I installed the Windows 10 Kobo app. But couldn't figure out where Kobo downloaded the book. So I had to install Adobe Digital Editions, download the .ascm file from Kobo and import to ADE and then from there to Calibre. But there were no issues removing the DRM.
My issues could easily be resolved if I want to keep buying books from Kobo, I guess.
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