If the User Files folder hasn't created fully, you can copy the template 'User Files' folder from the Toad installation directory,
e.g.:
C:\Program Files\Quest Software\Toad for Oracle 2018 R2 Edition\Toad for Oracle 13.1\ClientFiles\
to the user files location:
C:\Users\user_name\AppData\Roaming\Quest Software\Toad for Oracle\13.1
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