Solution for now: delete files: texture.hogg, texture2.hogg, texture3.hogg
(edit: from C:\Users\Public\Games\Cryptic Studios\Star Trek Online\Live\piggs)
Loaded game, ran download for deleted files, seems to work now, but have not transferred off ESD. I only posted this to provide a rapid update that is unverified for others in the same pickle as me. Probably didn't need to delete all three, but I am a Pulsewave kind of guy.