OK, found out why that happened. When you make fields conditional it's a good practice to use the "conditional others" selection rather than the "conditional Self".
Example: You have created a checkbox (fieldname is called cb_showaddress) "Phone" that when checked will show fields cb_userstreet, cb_usertown, cb_userpostcode, cb_userphone
THE WRONG WAY: adding self conditionals to all the fields.
THE RIGHT WAY: adding an others conditional to the checkbox cb_showaddress. You'll specify the Operator as "NOT EMPTY" and then choose the fields (listed by their titles, I wish there were a fieldname view as well....wish list?).
When you check the box, all those fields will appear.
HINT- The "Tools" pane in the cb_conditional plugin will help resolve any conflicts. But we were supposed to automatically know that.
I'm going to make a series of videos so that others won't have to tear out their hair for hours learning through trial & error.