The SSD may or may not have changed when the settings were "lost". I left the SSD as dlink so I am unsure that it changed.
I have changed the SSD to a different name and used my save file to restore the settings.
I think I am going to go ahead and upgrade the firmware as looking back at my notes, this is the 6th time the router's wireless settings have been rolled back to as if I never set it up.
I have all my hardware behind a APC unit so there are no power outages or surges, I have fiber optic internet to the house and have no power lines ect here to cause electrical issues.
I don't see how one portion of the router (wireless) could become unstable unless the wireless is on a separate board internally and has it's own capacitor for memory storage.
No worries, I will try the firmware and if all fails, then I will get a new dlink product.

I'll let ya know how it turns out.
BP