I'm sorry to hear about your health problems.
Any time something goes on sale within 15 days of a purchase, we will refund the difference... just contact email@example.com and tell them the circumstances.
The new version of powerstore added those permission settings to the wa_settings table to help with this issue and make it easier to correct. It is also supposed to try to automatically detect and set the permissions settings, but it appears that part didn't work on your server.
Yes, updating the permissions settings in the wa_settings table is the correct work around and should resolve the issue in 4.5.1