Bob,
This gameplay options problem happened to me several times. It's so frustrating, start career, set up sub, use remaining renown to set up crew (this takes ages), save, start mission, find out gameplay settings aren't as you wanted, quit game, change gameplay settings, load game, scream loudly, quit game, start new career, etc etc.
I can't remeber what I did that finally cured the problem but I empathise with you
Good luck
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