Thank you both for your prompt replies, I realize now I was mixing 2 methods, and why the files are named differently.
Diving Duck may not realize I am running 2 new installs of Win 10, not an update.
Yes I have 'show hidden files' checked, all hidden files appear. Using cura to show the config folder does not work for me.
I have found the config folder, and after reading the helpful posts above, I now understand where and why they are stored. Same as always.
Thank you again for the help !