Whelp! Huge relief - problem solved!!
After searching high and low, I checked everything: OS, attached graphics card demand, memory working, msconfig setup etc. Youtube blah blah blah....
It came down to surfing the MSI (my motherboard maker) website, and downloading the latest BIOS. Flashed the BIOS (a real nail biter!!) via a MS-DOS USB, and I went from having 5GB being "Hardware Reserved" to 15MB "Hardware Reserved". So, even with a really big project loaded, I have 6Gig of RAM sitting there, waiting for tasking!
Whew! Love it when I don't slam into the earth while flying solo!
To the music!