thanx all for the guidance - i think i figured it out with the forums help... not as straight forward as it was before, but i definitely respect and appreciate the concerns over security... i read a few other posts to mash out a solution. but this is what i did, i hope it helps others
my windows 10 pc already had a user account on it. so check
2. was trying to many funky things on kodi... i just needed to keep it simple... go to add network location, type in the server path... servername/folder and then type in username and password of the windows 10 machine.
do not type in ip address, or change the default network type... etc... do not go into service settings and change smb min./max protocols.
now... no more operation not permitted... AWESOMESAUCE
now just updating the library...
on a side note - its pretty cool that the wetek boots straight to kodi... but no more netflix/youtube/surfing on my wetek box now... not sure if i like that...