Yeah - sorry about that guys!
I had typed up a response (saying I didn't have a C:\ProgramData option) and posted it, to only then see that I did indeed have that C:\ProgramData option - DUH!

It was late, I deleted that post (almost instantly) since it was false. Didn't think it would help the historical record to have incorrect information posted. I'm amazed that Tim saw it before I deleted it!
Being as late as it was, I told myself I'd deal with it tomorrow (today).
So, suffice it to say, I did find that "RscLoaded" file just as Tim suggested, deleted it, and HC Simulator now appears to start up and run fine. I have not fully put it through its paces yet, but, I'm optimistic! If anything changes, I'll report back.
Paul