I failed to add that this is with "Explorer.exe" I was just going to do a search after a 2nd failed attempt. I thought it was a 'network' thing based on the term "Server" used. But, I should know better since M$ almost NEVER has a meaningful error message.
I did change the location of some of the System User Folders (Documents, Downloads, Music, Photos & Videos) since I never use that "Users" Folder to store files. According to that one post, that may be the issue.
Has anyone here managed to change any of those locations away from 'C' drive?