I encountered the same problem as LisaLynn did when I upgraded to a new computer and copied files from Carbonite to the new computer. Fortunately, Angie sent me links to the files I couldn't use. I just went through all my ScrapGirls files and "unencrypted" the ones with green titles. I'll try ExtractNow.com from now on.
I bought and installed Elements 13 around Christmas 2014. I noticed that I could not load any brushes using the Program File (x86) path you described also. I loaded the brushes I want, including dynamic brushes using the Program File path you described. Installed there, they have worked perfectly for me since I installed them.
I make an annual photobook of every day life, special events, adventures, etc. I use a landscape orientation and have my books printed by Blurb. The major advantage for me in using Blurb is that the book can have up to 440 pages. Some years I've come close to the max number of pages. My favorite size is the 8 X 10. I used that size in portrait orientation for a photobook of my daughter's engagement. For whatever reason, I found it really difficult to scrap pages in a portrait orientation. I found that Scrapgirl layout templates are easy to adapt to an 8 X 10 landscape format also.