I think I have resolved the issue.
I was testing the ability to post a pic as Kathryn suggested. It worked, and i went to remove the image. After removing it, a button appeared under Header options to “Restore Original Header Image.” I clicked that, and The Gravatar started displaying. So for some reason, on theme install it wasn’t looking for the Gravatar, but pushing that option told it to.
Hope this helps katbrat.