Recurring Microphone problems

Windows 10
Audacity 2.3.2

I have read the entry about the microphone problem and I have checked the privacy settings. I have toggled switches, etc, uninstalled and reinstalled, and it still balks at record when it is trying to play back a track at the same time.

In other words:

If I have no other track being played back, it will record.

If I do have another track being played back, but I am using loopback, it will record both the microphone and the backing track.

If I have another track being played back but am NOT using loopback, it crashed. Every time.

I have reverted to 2.0.3 just so I can get back to recording.