My Google-Jitsu is failing me.  Question is in the title... What is the difference between T[,] and T[*,*]?
I am looking for a 2, 2-1/2 part answer:
Layman's (or super architect's) plain english explaination with example code.
Link to the formal documentation of this distinction.
Bonus: Point to subsection and page number in the C# 4 spec that defines this. (It is not in sect 12 "Arrays")
I got this notion here.
T[]  means a zero-based array of T  (array[0] is its first element)
T[*] means a non-zero-based array of T (array[0] is not its first element and can even be out of bounds)
The link from your question explains that there is no array of type T[*,*], because all multi-dimensional arrays of T[,] are treated as arrays with unknown lower-bound. 
Code snippet below shows how you can create an instance of T[*]. Note that you can not cast it to T[], because they are different types. a[0] here will throw an OutOfRangeException, the index of the first element in this array is 1 (ah, good old Pascal days...).
Array a = Array.CreateInstance(typeof(String), new Int32[] { 1 }, new Int32[] { 1 });
Console.WriteLine(a.GetType());    // System.String[*]  
More example code
Bonus. The C# language spec says, "The indices of the elements of an array range from 0 to Length - 1". Obviously, the language does not provide built-in support for non-zero-based arrays, it's just a custom data structure that you can create; although specific in a sense that the compiler happens to have a special symbol for its type and VS uses standard array visualizer for them when you're debugging.
See also:
How to create a 1-Dimensional Array in C# with index starting at 1
C#: Nonzero-based arrays are not CLS-compliant
Well, it does... if you use var.
First, you would need to compile this into an assembly using ILAsm.exe (I know, this isn't C#... yet):
.assembly extern mscorlib
{
    .publickeytoken = (B7 7A 5C 56 19 34 E0 89 )
    .ver 2:0:0:0
}
.assembly ArrayHelper { }
.module ArrayHelper.dll
.subsystem 0x0003
.class public ArrayHelper   
{
    .method public hidebysig static !!T[...]
        CastTo1D<T>(class [mscorlib]System.Array 'array') cil managed
    {
        ldarg.0
        castclass  !!T[...]
        ret
    }
    .method public hidebysig static !!T[...] Create1D<T>(int32 len) cil managed
    {
        ldarg.0
        newobj     instance void !!T[...]::.ctor(int32)
        ret
    }
    .method public hidebysig static !!T[...]
        Create1D<T>(int32 lowerBound, int32 length) cil managed
    {
        ldarg.0
        ldarg.1
        newobj     instance void !!T[...]::.ctor(int32, int32)
        ret
    }
}
Then you can do something like:
var my1DArray = ArrayHelper.Create<int>(1, 5);
to create a 1-D array of length 5 with lower bound 1.
Heck, even Visual Studio supports this!

Hope you have fun with it.
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