I appreciate the input and agree - starting over often works.
I'm making progress but it's two steps forward, one step back.
Turns out, all those instruments in the drop-down did NOT exist - MIDI worked, there just wasn't anything for it to trigger. I was fooling around in Preferences/VST, did a manual scan and suddenly I've got hundreds of WORKING instruments, even in a MIDI track. But it's not all good news. With VST Scan set to AUTO, it doesn't find anything on startup so, every time I start the program, I have to go there and do a MANUAL scan. Is there a fix for this?
Another problem that has come up - if I try to DELETE a track the program becomes unresponsive and has to be shut down. Meaning I not only have to restart it, I have to do that manual scan thing.
Thanks to both of you for your input on this.