I've confirmed StarTech PEXUSB3S44V solves the problem on Windows 11, and am accepting JMY1000's as the answer. His personal experience, actionable recommendationssolved the problem (and quickly!), and explanations about the USB (and their "gotchas") limit expectations.
John Smith's answer deserves an honourable mention for answered "what to check for before buying" and proposing an alternative (PCI-E splitters) I wasn't aware of, but didn't match the (accidental, but trick) question.
I should have explicitly stated the USB hubs all failed, despite very, very low bandwidth cameras. I tried in C#, C++, and MATLAB, and on 2 computers, and the order the capture-objects were created always mattered. The first opened on a USB hub would work, but rest failed. The order of ports didn't matter.
I suspect each camera monopolizes a controller because the camera details & controls are unavailable, so the computer defaulted to the maximum bandwidth.
I was incredulous 4 cameras might need 4 PCIe cards/slots, each with 1 controller and 3-7 unused ports, and am very glad this works. It's interesting it needs a PCI-Ex4 and dedicated power cable. Imagining a 16 camera system makes me laugh a little.