Thanks Tony,
It appears to be a random error, and it does not involve the player but rather when you are creating the database (either for the first time or when adding music and rebuilding). I loaded XP and reloaded the software when I switched computer OS's and it was working fine with 7900 tunes. THe problem started when I added some new music to the computer and went to rebuild the database.
It occurs during the "reading file details..." portion of the database rebuild. I tried all of the latest software for Rio and the same error occurs.

It appears to be random as I have tried loading just an albums worth of music and it crashes sometimes and not others.
I would like to try some of the alternatives (Trio) but I am not that versed in JAva or the instructions are geared towards programmers. I think the problem would reside with any software that use the ARM program.