One thing I discovered that helped "solve" the problem is that certain Excel files have a box checked in the Options settings that prevents it from being Autosaved.
Options --> Save --> uncheck box that says, "Disable AutoRecover for this workbook only" --> OK
This was something that most of my inherited files had checked and why there was never a AutoRecover version for me to re-open. Thought I could just uncheck the box on each of these existing files when opened but today after a crash I discovered that the
box was checked for a couple of files I created myself. I have no idea if this results from a MS glitch or if it is from something my employer's IT group sets as default when installing the Office suite. It's certainly nothing I would have done myself.
In any event, this tip may help you save precious work as it has done for me - but you'll have to be diligent about checking this for each individual Excel file, including those created by you - and remember to save the file after making the change.