Thanks for responding Saby;
That worked the first time and only the first time until I reinstalled... with a couple of exceptions which got me to thinking (see below).
I did not reset after the problem stated again after the last update or reinstall... because I thought it was a fresh install and I really need to save files to my 2nd internal SSD... and that would change the default... so for testing I left it as is.
In desperation after trying some things... I am down to one last wild idea before dumping the program. Boot cold Computer, give 5x extra time for complete boot up, the same thing to open PS 22, then I put your PS Demo movie on timeline, delete it, click on "Import". So far its worked 2 times in a row (with out reinstalling).
My plan is to wait till I get more history on this current boot up method. If I can get 4-6 more good boots... I'll try changing where I put my files. If that fails I'll try your reset again... but that failed me last time and I had to reinstall... which leads me to wonder if there are some left over old PS files causing a problem (there are some very old operating files I found but I left them as is).
I'm also considering if this does not work to take it to my teck shop that is very good with these kinds of problems.
Any Comments appreciated.