Thanks to all who offered assistance, the real world examples from @apolyps3 were especially helpful. I now have a 95% solution where everything works except I have to have 2 "Ducati" folders, one for my pois and one for iGO pois, but I can live with that. Odd that it is possible to merge user and iGO poi folders using upoi editor but not so easy with kml. Its just that with several hundred entries upoi editor is a bit cumbersome to use.