The only time a Kurzweil will say that "There are Samples but Load anyway?" is when the machine thinks you don't have any Sample RAM to load the file.
You'll never see that message about there being Samples if you had Sample RAM to load them into.
Check to see that:
1. You really do have Sample RAM. (Top-center of MASTER Page.)
2. You really do have enough Sample RAM.
3. You have the correct type of Sample RAM.
4. You have the correct pairs of RAM (if you have 30-pin SIMMs).
5. You Sample RAM isn't corrupted. (A Hard Reset will clear everything.)

((6. Your files haven't been corrupted somewhere in Internet transit.))
((7. The floppies you've saved to aren't bad. (Try fresh ones.)))