hasff & alerte thanks for all your help. I think I've figured out my blunder.
OK, this is partly my fault, but a while back I moved the card files to another drive because the one that I had it on was filling up (a common problem, I'm sure for most of us). It wasn't that I forgot about this so much as that I thought that the skins files were still in their original location, under my documents. I hadn't used the different skins in a while since before all of these version changes, so I thought that was mostly to blame. For some reason I still had the skins folder in the original location as well as on the new drive, which ***** the issue.
Now that I put the new Basic Blue Skin in the correct directory, Doh!, that skin works great. Then I re-downloaded the skins from alerte's website (Thanks Alerte!), and it seems I'm all set. All of the new skins have approx 210 files, as Alerte said, so I guess I was just missing some of them as mine only had 196 in each.