I'm not seeing any difference running as or as not administrator. I had tried that yesterday, with the same result.
One thing I'm finding odd, (the more I dig into this program) - within my file structure, I have My Documents/Embroidery and then a number of Folders. Some of these folders have additional folders with a hierarchy of design types, digitizers, etc. but some folders have embroidery files that aren't further filed. These "loose" files are visible within the SEU programs, whereas my files that are further organized aren't visible! I've examined the file properties, security/sharing etc. and can't find one thing different between the higher folders and the ones buried a few layers deeper. All these files are within my "locked" user folder, so maybe the lock has nothing to do with my inability to use these files - I'm totally at a loss here!
Thanks for your suggestion, and if you have any other ideas, I'd be happy to give them a try.