Got nothing to do with audio cards.
FYI- I have never lost a file in a long, long time since I adapted to a system that is more or less bullet proof. Many users here do something similar. Sonar's default system leaves a lot to be desired. First, the per project option is not the default ( unless they finally changed it) but for me that option is of no concern because I always store stuff in my own folders I create. And then you need to make sure to change the file pathways in preferences to point Sonar to our data drives. So with the default you will have everything in a big mess in the audio folder deeply hidden on C drive. Your projects will all work until the day your hard drive dies. And with SSD drives we don't want audio on C drive.
My system:
After I install Sonar I change the file pathways for both Projects and Audio in preferences to the Studio data drive ( E)
My Studio data drive's root directory is a bunch of folders named to reflect what is in them:
CWP - Backing tracks
CWP- Original songs
CWP- Sock Monkey Band
CWP- Clients Name
MIDI files
Wave- Backing Tracks
Wave Original Songa
Wave- Sock MOnkey
Wave-Clients Name
MP3- Backing Tracks
Mp3- Original Songs etc
In each of the CWP folders is a folder for each song.
In those folder is the Audio folder, the CWP, MID, lyrics etc. everything to do with that song.
These folders are then easily backed up to an external drive and I often transfer between computers.
I date the main folders after they are transferred. = CWP-Backing Tracks -Jan 2017
Those are scattered among at least 4-6 hard drives at any given time. One is even off site.
So when I start a new project it is often from a midi file. I immediately use "save as" "copy audio" is already checked and browse to the main folder where it belongs and create a "new Folder" name the folder for the song, to put it in. The midi file is now where I can find it. I then do "save as" again and change it to a "Normal" ( CWP) file and carry on.
Sometimes I may have created that folder outside of Sonar and put the midi file in there. I have a lot of my own files and if I plan on working with them I often do this in preparation.
If a song starts from a one of my custom templates I do the same thing, Open the template, but immediately do the "save as" and rename the folder etc. The huge thing is always check the "copy Audio with project" is checked