Sorry I've been tardy replying . . have been travelling, then working on this . . .
In the course of all this, found a workaround that did not involve a PC re-start - simply open another program that uses input from system drive storage (eg, Excel), and after exit and re-attaching the card reader - bingo it's seen again in explorer. Pretty conclusive evidence that there was something amiss in the system software - suspected drivers, so began a driver update cycle - one driver a time, then test the card reader. This took some time.
It seems the culprit was a combination of windows and a driver update to the USB 3.0 extensible host controller (thru which the card reader attached to the PC). I mentioned that this used to work, and then lately, did not.
Confusing the situation were contradictory reports about the currency of the installed device driver - windows 7 said it was Ok, and a driver updater said it needed updating. After checking with the Intel site, there were 2 drivers for different chipsets listed - one old and one new - the new one dated June 2017. Then had to check with the motherboard manufacturer for the chipset that was installed on the board. Finally, an answer to that - chipset type stated, use the latest version driver. Download and install, then test - and it seems to work (chip in the reader displayed in explorer) on repeated detach/attachment cycles without opening any other software.
Early days yet, but looking good so far . . . .