That hi-limit button trips when the temp inside the heater tube reaches 112 degrees or something like that... so with the heater plugged in, it must be reaching that temp due to low flow. Either dirty filters, the pump is not pumping, or the pump is not pumping water fast enough.
I may take multiple attempts to reset the button because even after the heater is unplugged, the water in the tube may still be too hot, especially if the pump is not pushing water fast enough or at all.
Also possible that the hi-limit or thermostat is bad, but that is far less common.
How old is the circ pump?
It's as old as the spa, 14 years. Also, I've never properly cleaned (degreased) the filters, so i read.
I'll try that first since it's cheap, if not I'll replace the pump.
Thanks a bunch for all your help. Times being what they are, I'd rather fix it (if possible) than replace it.