Brian, many many thanks, and a (superfluous in your case, but still heartfelt) +T for your kindness in listing out those threads.
[What I have is a card that shows no files at all.] Wrong! I looked again--the file I need is shown, but appears as a 0-length file. With any luck, most of the cluster chains will be neat and consecutive.
The newest (v.1.0.4) firmware from M Audio claims to resolve the "media lock-up issues during record," but in the absence of any further detail, I have no way to know whether they mean this particular problem or not.
--best regards
P.S.: I got up the nerve to run chkdsk /f on the drive, and it correctly restored the entire 2 hour, 3 minute, 50-second WAV file up to the point where the recorder froze. Whew! (Now, if it only hadn't frozen ... but that turned out to be OK, too, in its own way. This time.)