I wanted to up everyone on this issue.
The key in @Olivia_2 response is this:
Note:
Going forward, test transactions cannot be completed using drafts, however, unlimited online store test transactions can still be made.
I was able to make this work by creating a new test store. Choosing the (test) bogus payment method and by completing the orders as a customer from the store (not as an admin).
This is definitely a workable solution.
I hope this helps everyone.