Kim - I'm so sorry this is happening!
In ACDSee, I've been trying to use that embed metadata function but I have no idea if it really works. I was going to recommend it but I can see you have already found it and it doesn't help with the files that have moved and moved back
It's another step to remember to do. I guess this is why Kayla of Digiscrap101 recommends Lightroom, but I really like the functionality of ACDSee and want to use it for my digi supplies.