First, let me thank everyone on this post for their guidance, help, and suggestions, I've learned some things!
Turns out, all this time, it was my FREAKING Ethernet wire connection(I think) !!!.LOL
By chance I included a few things that were the keys.
"What is this" chDVRuser pointed the mismatch IP addrs.
"Note: 3 days ago I realized my server had changed to WiFi instead of Ethernet"
I did not know that WiFi and Ethernet connections had different IP addresses, Thanks slampman
Here's the real culprit I think:
My laptop is connected to a TV/monitor.
Every night I grab the TV remote and turn it off for the night, and slide Remote back in next to the laptop.
Every morning I grab the remote and turn TV/monitor back on and slide remote back in next to the laptop.
As I looked at that a short while ago I see that when I slide in the remote it jiggles the Ethernet wire!!!!
The Ethernet wire connects to a Ethernet to laptop C-connector dongle (Laptop does not have Ethernet port).
I suspect that laptop C-connector port is not as secure as an actual Ethernet port which "snaps" in (or I never pushed it in properly) and that jiggle resulted in:
Some days laptop was connected via Ethernet, other days via WiFi, hence the unexplainable changing IP
and losing connection etc, and my wife yelling at me to come fix this freaking TV.

Good Grief!!
Now I am not absolutely sure that this C-Connector is so poor that somedays it can be connected enough, and some days not... But I think that's it.
I have disabled WiFi on laptop.
I will also reserve the HDHR IP addrs.
Thanks again to all.