Ok. I was not visualizing it correctly. I found a YT video of a guy pulling wheels on a K5, when he disassembled the wheels into 3 pieces, I finally got it. The hub, the piece that attaches to the axle (or stud), the plastic insulator which attaches to the hub and then the flanged wheel or tire (saw it referenced both ways. No rubber traction tire. The Pul-More was a little confusing. On Lionel, I think it refers to a certain type of motor. On AF it is just a mod to the wheels with an addition of a (rubber) traction tire vulcanized to the flanged wheel.
It looks as if all 4 are loose. From what I reread and then observed on that video and a couple others I just need to really clean it with alcohol and then carefully apply superglue around the rim, press and hold the flanged wheel to the insulator for a few seconds or more and voila, it's fixed.
I also got the #290 tender apart and sprayed my usual electric/electronics cleaner on the reverse unit and let it sit overnight. Worked a treat!
Thanks!