My uneducated opinion:
Your (and my) primary problem stemmed from NOT having C DRIVE as Local Disk/Hard Drive. This probably occasioned by installing Windows with Card Reader already physically plugged in (suggest should install OS first, then plug in reader, new hardware will be recognised etc....). With card reader already installed your Local Disk nomenclature, instead of being 'C' can become F,G,H or whatever.
Then, when you later install additional programs/ applications, some of them are constructed to interrogate "c" drive as an initial reference point - can't find what they are looking for, then 'spit the dummy'(('soother' for the other side of the world.)
Beyond these two factors, there would seem to be something either directly related, or perhaps yet an additional factor, regarding 'Quicktime' - I don't know which because I made several changes simultaneously and have not gone 'backwards' to check - too happy to be out of it!! Whateverway, I uninstalled 'Quicktime' and installed 'Quicktime Alternative' after finding this suggestion in another forum. (DO YOU RUN QUICKTIME CURRENTLY???) (Also, I do not know how CNET views 'Quicktime Alternative' - it might be viewed as some form of piracy???) Regardless, while I have NOT reinstalled Windows/repartioned etc (scared), I have been virtually free of the no-disk exception message for a couple of months - until yesterday, when a one-time only, single-click-disposable no-disk message appeared as my soon-to-expire AV VET anti-virus ('first-among-equals' in start-up procedures) was jumping in to warn me that they would like me to send money: my thought being that although Vet knows how my computer is configured, the accounts department's warning is not quite so sophisticated and was looking for desktop - C drive.) (Suspect that Nortons UNINSTALL goes looking and misses the re-direct bit)( I would be happy to have any advice in these matters from anyone with either supportive or contradictory opinion).
Superficial to the above, but still related, if endeavouring to download/install an application and the dreaded 'no disk' appears and you DO have a configuration of card-reader/hard drive such we have discussed here, as a correspondent in the earlier referenced forum suggested - try using the 'Safely Remove Hardware' button to 'remove' (they will come back on next re-boot) the drives assoc with the card reader - in the circumstances we have been looking at these are probably C, D, E, F, and as many other drives as may be listed until you get to your CD/DVD drive (mine- 'G', which likely will then be followed by the Local Drive/Hard Drive (mine 'H') Once these card drives are 'removed', the application seems to be able to find a home/reference on the hard drive.
Again, all this is for whatever value, but full of speculation (follow me and you will find yourself 'lost')