Downloading via apps store fixed it.
I have 230 Mbs stable connection. Over 400 GBs available SSD.
Only issue I recall is not connecting my M1 Macbook Air to a power source during the first attempt to update Mac OS 11.4 via system preferences. I was too lazy to walk to a power source and instead cancelled the update. The issue began with the second attempt to update via system preferences Mac OS 11.4. All fixed by downloading Big Sur in the apps store. I'm guessing this path downloads Mac OS X updater files in a different location or the OS updater metadata needs to record a different update download record.