Fortunately I have little hair to begin with
I went back to the pre14 zip file and that package loaded just fine. I think the 'experimental' zip file is not meant to be a complete install package. As you note, there are zero skins. I think there are other items missing as well. So I'm looking to find the proper upgrade paths.
Mike
edit: for the record, I downloaded the next update ( 28 ) and simply dropped the .exe and dll's over the top of the existing ones. Of course I needed to hunt them down, as it wasn't specified anywhere. But that wasn't too hard. I have this version up and running now.