Wanted to come back and say I got it working again, about 75% of the time anyways. Here's what worked for me:
With Kobo plugged into computer, right click the drive it's in, select properties, then select hardware, select the Kobo, then properties, then policies.
There are 2 options, on mine the first was selected [Optimize for quick removal], I unchecked that, and selected the next option [Optimize for performance].
Hope it might help someone else.
Thank you again to all the people in this thread for your patience and assistance.