I finally understand how styles work. I can create them, edit them, save them, and load them. I have the feeling that everyone who learns about styles does what I did. I created a few styles and thought I saved them. I loaded more styles and decided that I knew what I was doing. The new sets got annoying to scroll through, so I reset back to the original Photoshop styles. I lost the styles that I'd created because I hadn't really saved them. I now know how to save a style that I have created.
There is even a cue in Photoshop that you aren't saving a style. The button you click on says 'New Style,' it does not say 'Save Style.'