Hi Tazdog,
Your finger must not be on the shutter button when focussing as this seems to disable the zoom feature. Regret cannot help on the "AF-L" button as I rarely use it.
Peterkb
I'm using Lightroom 6 and Photoshop 5 (V12.0.4) with Camera Raw 8.5.0 and have no problem opening Fuji raw files. Perhaps you need to check both PS and Adobe RAW for updates. CS will not work with the latest camera raw.
When I import from my X-T1 into Lightroom only the RAW files seem to be imported as no Jpgs are listed. With my previous camera (Nikon) both were automatically imported. Have I missed a setting somwhere? I've checked the SD card and it has both images on it.