Update on the issue first. Setup places my textures here.
C:\Documents and Settings\All Users\Application Data\Autodesk\C3D 2009\enu\Textures
Civil 3D is looking here.
C:\Documents and Settings\All Users\Application Data\Autodesk\Civil 3D 2009\enu\Textures
That in a nutshell was the problem at home & work.
The as-built foundation is a separate surface data ref'd into my FG. The surface is comprised of 35 plines & 4 3d plines. It was modeled for the wall designer & the presentaions I need for the meetings.
The FG surface was done in a file with feature lines & dref'ed into another for presentations. For each render material I had to copy the surface & apply a new outer boundary. So I have a copy of FG for the grass, walls, pavement & conc decks.
This works fine for this 5 unit building on a couple of acres. It is very demanding on our PC's which were purchased 4 years ago for LDD.