My pi is setup with user testpi. therefore
/home/testpi/.node-red/settings.js
is the file I have been working with. I only asked about the other after you rightly checked if I was editing the right one. The problem was I did have a sudo in the node-red start (didn't mean to and probably muscle memoried with the keyboard in error)! Removing that and it works. Beyond that, I also wasn't aware admin privilege's would use different settings.js and glazed over the /root as my brain said it really meant the home/... location. I hate when I do that, even more when I waste others' time in the process.
Looks like I am up and running until I fall on my face again
Thanks for dragging me to the solution!