Tom:
The Work Environment Profile is composed of the individual Schemes (User Preference, Tool, Palette, etc). Go to each Scheme and save your settings as a named Scheme, then apply these Schemes to your Profile, so there are no Custom Schemes. Then set your Profile as the Default Profile. The Toolbars and their location are set by the Palettes Scheme: set the Toolbars, open WE, select Palette Scheme, select the Scheme name, then click the Redefine button to save the current setup.
David