OK, I figured it out. For anyone else who may come along and need help, let me save you some time.
1. Watch this youtube video https://www.youtube.com/watch?v=rBteQswtPI0
. It shows you step by step how to enable hidden files on Windows 10.
2. The earlier commenter is correct... The instructions are in the readme pdf file...specifically on the bottom of page 7.
User: C:\Documents and Settings\(your account)\Application Data\MakeMusic\Finale 2014 is the for the lib. and XML file,
and the User: C:\Users\(your account)\AppData\Roaming\MakeMusic\Finale 2014 is where you put your actual templates. This is what the readme page left out.
I hope this saves you some headaches. It took me two weeks to figure this out.