I did eventually find my previous Win 10 B/U files and and I compared the 10 (169) players to 11 (20) players. versions.
Consequently, I have several questions, but here I will just post 2 about Poly files, that when answered I think, will point me in the right direction.
1) What is the difference between an .L3 file and an .SSF file?
2 Where are modified players files found? - neither 10 or 11 poly files contain renamed players. I used to play against Loosy Lucy, Bob the Basher, Larry the Lagger, Norm the Storm and Connie Lingus among many many others. I see some duplicate names (both file types) Anika, David Toms Sergio etc., but none of the players I modified show up.
Getting old and troubleshooting getting "tuffer".

Thanks in advance. Your help will be much appreciated
Dave