Which of these is the correct wiring of an RGB light strip with n-channel MOSFET for Arduino
Thank you all for the information in the comments.  I'm composing them the best I can into an answer.
I believe I now understand:
The 10K resistors are a &quot;pull down&quot; to prevent potential indeterminate state issues.
The 220r resistors are to protect the MCU from potential current spikes.
I don't intend to create a Schematic for the 3 examples in the question, but here is a schematic of what has been suggested as a potential answer in the comments.