OK, fixed my problem (Could not complete your request because of a program error" upon open.
It was my Topaz Plug In which I've been using for years. For some reason, it seems to be messing up my PS.
If you hold down the Shift key while you are starting PS (Windows) you get this message:
Skip Loading Optional and Third Party Plug Ins?
If you answer: Yes, then try to re-create the problem, if it's the plug-in causing the problem, it will be solved.