I kept messing around and found the solution to my problem this morning, If anyone is having a similar problem to the one I posted about on page 48 of this thread try using FileZilla to add stock by attribute files to your zencart folder.

I'm still testing my site on localhost and downloaded the server and client for FileZilla...started the server for it..loaded the client..logged in..navigated to my Zencart folder..and just drug the Stock by attribute folders into the directory and it worked like a charm.