Re: I just want to que files and download them when "I" am ready
You are probably looking for Commands > Queue > Process Queue toggle. Also available on queue context menu and toolbar.
You may also want to turn off Enable queue processing by default preference option:
https://winscp.net/eng/docs/ui_pref_background#background_transfers
You may also want to turn off Enable queue processing by default preference option:
https://winscp.net/eng/docs/ui_pref_background#background_transfers