After spending the weekend plus on this, again, self-teaching from the Internet, I figured out this would not be possible. I had been learning the syntax and all before the working concepts, and the many, many examples I read that told me how to upload files never mentioned how it all actually works.
When you submit and enctype is set properly the file is uploaded to a temporary folder on the server. The php code on the next page (action) looks at the information provided by $_FILES, decides whether or not to accept it, and if it does it simply moves the temp file to the destination folder.
Maybe that will help someone like myself.
I'm still wondering is during a submit I can upload more than one file then handle that in the 'action' page's php script. When I get time I'll try a few things.