Unauthorized 401 from `gem` - github

Question

$ gem install bundler:2.2.21
ERROR: While executing gem ... (Gem::RemoteFetcher::FetchError)
bad response Unauthorized 401 (https://bart_simpson:REDACTED#rubygems.pkg.github.com/private_org/api/v1/dependencies?gems=bundler)
and
$ gem update --system
ERROR: While executing gem ... (Gem::RemoteFetcher::FetchError)
bad response Unauthorized 401 (https://bart_simpson:REDACTED#rubygems.pkg.github.com/private_org/specs.4.8.gz)
I've got a good personal token (good = full permissions, and not expired) set in two places:
$ cat ~/.bundle/config
---
BUNDLE_RUBYGEMS__PKG__GITHUB__COM: "bart_simpson:ghp_nJabIP9JjPe7KOwgDrkiJextJggm114MZh7f"
BUNDLE_HTTPS://RUBYGEMS__PKG__GITHUB__COM/PRIVATE_ORG/: "bart_simpson:ghp_nJabIP9JjPe7KOwgDrkiJextJggm114MZh7f"
and
$ cat ~/.gem/credentials
---
:github: Bearer ghp_nJabIP9JjPe7KOwgDrkiJextJggm114MZh7f

Answer 1

ah! After generating a new personal token and saving it in the two places mentioned in the Question, I forgot about a third place (which did the trick)...
$ cat ~/.gemrc
---
:backtrace: false
:bulk_threshold: 1000
:sources:
- https://rubygems.org/
- https://bart_simpson:ghp_nJabIP9JjPe7KOwgDrkiJextJggm114MZh7f#rubygems.pkg.github.com/private_org/
:update_sources: true
:verbose: true
Docs: https://docs.github.com/en/packages/working-with-a-github-packages-registry/working-with-the-rubygems-registry#authenticating-with-a-personal-access-token