I don't have a hard drive. I use SSD, and you would not worry about it if only 1 program would be failing and all other were working flawlessly.

UPDATE: Reallusion is trying to solve the problem and offered me a test developer edition to test all my files. I tested 300 files I created with the latest edition of iClone.
2 things came of it.

Files that get the "Fail to load" error messages still need a solution for those, I have about 8 that won't open.

On the good news part, I discovered that files while opening that makes iClone crash, if you keep trying to open them sometimes after trying up to 4 to 5 times, they do open in the end. So I recovered a few files on that end.

IMO, iClone produces real-time Render helper Files, during Edit Mode. Those Files are in iClone Temp Folder, that build-up, unless you regularly manually delete them. Failure to do-so can; 1) crash iClone. 2) Prevent Projects from opening. A common problem with NLE Progs, where helper files are in the Edit Render Folder.

Windows OS also dumps a lot of Temp helper Files in Windows Temp Folder, that can adversly affect Video Editing per se. Those also need to be deleted 

I have a File clean-up Prog that I run daily that automatically deletes iClone & Windows Temp Folder each time.

No iClone crashes or failure to open Projects, here.

Check your iClone & Windows Temp Folders. . I'm betting you have a few GB of Helper files screwing-up your PC.. 

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      REALLUSION FORUM ANNUAL PINHEAD COMMUNITY PROJECTS.

       New Pinhead Website & Project to be announced in September 2015

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Yeah, I finally discovered issues with ballooning temp files which caused a lot of my hard drive space to mysteriously disappear. What kind of clean up program do you use? 

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So run Crap Cleaner before opening a file?

For now, my preventative measure is to save a file then open a second iClone, and see if the file opens with it and if it does then close that file. If not then I'll have to see how I can fix that as it has yet to do so since I been using that method.

Use Crap Cleaner: http://filehippo.com/download_ccleaner/

And, if you have a mechanical Hard Drive, defragment it.

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      REALLUSION FORUM ANNUAL PINHEAD COMMUNITY PROJECTS.

       New Pinhead Website & Project to be announced in September 2015

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SOLVED: When Nvidia offered an update to my GPU's drivers the problem went away. When I reverted my machine to an older image to when I had the previous driver the problem came back. I updated the old image with the newest drivers again and I bet it won't happen ever again. I'll add a comment to this if it does but doesn't seem likely so far.