Thanks, Jonesey...
I had to determine where to put the file so I am 100% sure the folder location was not the issue.
For the situation I described, the path was the default CCC download path. When CCC downloaded the Sonar-H update, it overwrote what was already there.
I have since moved the CCC folder to the HDD.
I see there is a Kingston update 1 and I could try to duplicate this but if I manually download (40 mins) and it does not work, then another 40 mins for CCC to re-download. At least it is smaller than DimPro or Rapture.
I will wait a bit to see if someone from Cake chimes in.