To Old AJS, I am up and communicating again now. I wanted you to know that I appreciate your helpful suggestions. I see a solution has been found at last- so well done to everyone for testing and testing again!
Yes a new HDD and fresh W10 install has been done and then I was able to find my Outlook pst file from the old drive and put it onto a friend's outlook so I could locate the email where I stored the download links and product keys of my Office. The I was able to download and install office and activate it-yay!
I can say now that I began keeping all my data on a separate drive years ago and also a backup of that data on another drive, plus on an external drive.
I haven't always updated the backup drives regularly - bad on me- but then we all become a bit blasé about these things when time goes by without incident.
I second what you said about warning everyone to keep data separate from the system and keep backups too.
It's funny (sad?) that I used to use Clonezilla regularly to clone my system drive, just in case, and it did save my bacon once. I was able to switch boot drive and I was up instantly, so good advice to others.
My problem was that on the last two times I cloned a system drive (not the Win 10 but my old Win XP and then Win 7 system), it damaged the source drive and I was unable to boot my original system! I was able to fix the Master Boot Record on both occasions, but the last clone was then unbootable and so useless. So I gave up and have not used Clonezilla since.
I would love to though. Maybe the latest version has fixed that issue.
I am still only part way through restoring everything after all this time, but I'm gradually overcoming the problems each time. I just managed to get an old 32-bit Cygwin install to download without errors (finally) and so move on to the next thing. It will be a while before I get my recent visual studio versions reinstalled. I-Tunes was not the problem I thought it would be. I lost my entire library a few years ago and had to import my music again manually and find album covers and release dates etc. for every track. This time I found I could copy the old user directory with its database over to the new install and it just worked!
Anyway, thanks again for your input.
(Thanks again, also, to all who worked towards a solution for the update issue. (Do I hear any sound from MS?, no I thought not.))