Thanks for the response. In response, I went to both master.ins (there are 2, see below), right clicked on it and went to properties, security. It appeared to have the needed permissions but I proceeded to give it full permissions to be accessible by any application for read or write. I then opened Sonar imported my Roland instruments, assigned channels to them and verified they were there by way of a project opening. Saved the project again, closed Sonar, reopened it, opened the same project, my Roland instruments are not there.
There are 2 master.ins files. One in folder SonarHomeStudio and one in SonarHomeStudio\SampleContent. The one in the SonarHomeStudio folder is the one that is read during the opening of any project. I learned this by hooking up the old XP machine and finding the master.ins files. The one in SonarHomeStudio folder was twice as large and contained all my Roland instruments. It can be read with Notepad. I then moved the file to the new machine into the SonarHomeStudio folder replacing the old master.ins file and that fix survives power downs. Still does not explain why it won't write master files but I'm happy for now.
Thank you JnTuneTech for motivating me to dig deeper.