Well, after some time away, and then some trial and error, I found out how to cause the problem to manifest. It seems that mod-i and mod-d (where in my case, mod is the win key) were how I did it.
The problem was caused by my lack of understanding of what those two key combinations do.
mod-i Increments and mod-d Decrement the number of windows that can be in the Master area at the same time. This is initially one. Increasing it to two is often useful and one sees that in many screen shots of dwm.
What I had been doing was hitting mod-d while there was still only one window in the Master area. This resulted in ZERO windows in the Master area, causing the "stack" (non-master) windows to expand to the full width of the screen in an oddball layout. So, not a bug: dwm acting as intended.