Thanks Oosyrag
I had a feeling it's what oosyrag said, a security feature. I tried with other development tools, and when they bring up savefiledialogs, they can't see the USB-connected mobile either. you can read, but you can't write. it sounds like a security feature. you can use the file explorer on windows to copy/paste to the phone, but it doesn't look like an app can do it - no matter how it's created.
i'm sure there's a way, but it's beyond me.
mobile reading from itself = works fine
mobile saving to itself = works fine
desktop reading from mobile = works fine
desktop saving to mobile = does not.