I think I might have the issue "resolved". I talked with a UNIX guru I know who told me that while the CRON scripts are set up right, and the directories under the docroot are set up right, this is what's happening:
crontab -e => will run the CRON as "phillip/phillip", which can access "phillip/apache" directories and files, but not "apache/apache" directories nor files.
My DEFAULT user group for my user "phillip" is not "apache", which means each time I run the CRON scripts, they run under "phillip/phillip" due to the default user group of "phillip" being "phillip" and not "apache", thus, I must have my default user group changed to "apache".
Either that, or the sysadmin must run my crontab as "root".
Phil