Your default settings make sense and as I noted, are what I set mine to
do while trouble shooting. Don't know how/why/when my low risk setting
(which I had never previously seen or touched) was set to send the call
to voicemail. I figured my post was too long already to add that I also
use NOMOROBO on that line. However, my phone, a Panasonic, has a
setting option that silences the first ring of every incoming call. We
hear nothing when a call is intercepted by NOMOROBO. To give us enough
time to get to a handset before the COMCAST voice mail kicks in, in the
COMCAST voice settings, I raised the number of rings before voicemail
intercepts the call by one ring. Many times each day, if I happen to
see the LCD screen of my phone out of the corner of my eyes, I'll note
that the screen lights up and displays "incoming call" for about 5-7
seconds. The phone never rings and the call never registers on the
phone's caller ID history list. However, it does show up on my COMCAST
Voice calling log and inevitably is an unwanted spam and/or robocall.