I've been playing around with this for the last hour or so and have found the following:
This is almost exclusively a Pod Farm and Pod Farm Elements problem, just about everything else I have in my PC can live with the
Enable Mono Processing box being selected and will still load as a stereo device that responds to the Stereo/Mono track interleave toggle in the Console View.
I don't think selecting
Force Stereo Operation is a good idea (I suggested that 6 days ago and "Anderton" did above) as it forces the Stereo/Mono interleave of the track to stereo and there is no need to do that if the
Enable Mono Processing is not selected.
There has definitely been a change in Sonar's behaviour between X2 and X3 as X2 will load a mono version into a mono track and a stereo version into a stereo track but X3 just loads mono versions into either.
As long as everybody knows to disable
Enable Mono Processing then at least Pod Farm (and it's bits) are usable but not everybody will know this and this subject will keep making a comeback until the problem is resolved.
If it worked in X2 it should work in X3.
Grum.