I don't think it's an NI issue in my case. I had trouble getting the old Full Kontakt off, 'a full version has been detected - installation cannot continue' or words to that effect. The update wouldn't install until I got rid of that message. I ended up deleting reg keys and folders all over my system and it still didn't work so I had to go back to an earlier version and keep applying updates to get back to where I was.
So I'm the one who screwed up my system. Removing/replacing Kontakt is working, in fact load times seem faster than before. When answering Yes/No to each plug, I just say no to anything using Kontakt and the file opens. It's very tedious because I have two or three plugs in each track and I'm so religious about backing up that I backed up the problem. But all will be well, I should be back where I was by the end of the day.
Thanks to all, esp Chuck for the Safe Mode tip.
rev