New Windows user profile didn't work. 

Here are the details of what I did: I created a new Windows user profile (with Windows 10\Settings\Family & other users\Add someone else to this PC & follow the instructions. I signed in as that new user and did not need to reinstall Dragon but I did need to briefly train it again. I did not need to reinstall desktop office 2019. I was able to work with Dragon in dropbox, desktop and my one drive word documents with no problems at first).  I switched back to my old Windows user profile to see if I could fix the user profile by following these instructions:

https://www.techbout.com/fix-corrupt-user-profile-windows-10-9139/

But for the step for Value named State, Value Data field was already zero. I rebooted and in my old profile and was able to work in word until I opened one drive word document and then all word documents closed.

In new Windows profile, then I had the same problem of Windows crashing after opening one drive word documents. I keep trying different one drive word documents so it's obviously not one specific document. 

In case anyone is interested: Other things that I tried the did not work were disabling my antivirus software, un-registering and reregistering add-in for word and the other things mentioned in previous posts.

It appears that one drive is causing word/Dragon problems. Same problem happening on my older PC. My assistant does not use Dragon and does not have any problems accessing or working in my one drive word documents on his PC. I do not have any problem working on the one drive word documents online, but Dragon doesn't function fully online.

Microsoft told me to solve the problem to subscribe.

if anyone has any further ideas, please let me know. I appreciate everyone's help!

ss