Hi Uncle Dave,
don't think I'm going to be much help here. You may need a performer to answer some of these questions, or Alec if he's around.

I assume you're trying to layer Right 1 & Right 2? I tried it on mine, but the strings kept fading out even with the sustain peddle on. The only part one that I can get a continuous sustain on is the left hand part.

You can actually create a number of song lists if that's of any help, but being able to scroll through titles while it's playing, unfortunately I don't think so.

Not aware of Panel Memories disapearing, unless something is loaded over the top of them. Most of us tend to save them as part & parcel of a sequence or you can even save them by themselves.
Somewhere in the back of my mind I do remember something odd to do with the earlier kn's that if you didn't save them, after a certain amount of time if your keyboard laid dormant, you'd lose them and they'd go back to default. The brain's not functioning is well as it used to.

What are you trying to load to sd card. If it's midifiles ( called sd sound play) you can load them from floppy and create playlists.

Press SD
next SD Tools
press copy from disk
name it and press okay

Unfortunately it is a bit of a time consuming exercise first up.

Do you have the instructions that came with the software as you do have to follow it exactly or it won't work.
I've got mine connected to a windows 98 laptop and I've had no problems. Does the card reader work, or is it only the usb set up that you're having problems with.

Hopefully someone with a bit more expertise will be able to help.

best wishes
Rikki