Thanks. The issue is not related to admintools - it's just that that utility provides an easy way to generate .htaccess files. The issue was the need to allow the webp image generation.
Ultimately, though, I had to turn off the webp images (only temporarily, I hope), because I got black stripes on my images in chrome and Firefox (but not safari) when it was using webp, and I don't get those with png (which are transparent). Alas. A long time figuring out what the problem is only to find that I can't use the feature anyway because of that.
If there's a way to get that black stripe turned off on the webp images, then that would be a help, too. Thanks.