I found what the game is doing. I got to double check this, but the Simbin folder in My Documents has been placed in my cloud drive because there was an existing Simbin folder in my documents. I imagine if (and when) I move RaceRoom back to an SSD, if I remove that Simbin folder out of My Documents then; the game will create a new one.
I now have to see if simply overwriting that folder would restore my settings. If the game breaks, then I know not to try that hack.
Sorry for quoting myself. Just leaving some sort of note for a future inquiry.