Ok, I believe I was understanding the "Save Copy In" options wrong. When I saw "5.1->6.9" option after selecting "Save Copy In", I was thinking it meant upgrade from 5.1 to 6.9 as it had an arrow "->" in the name which is misleading.
I believe it means saving from 5.1 to 6.9 versions. I hope I'm correct.
Found this article that helped
http://www.digidesign.com/index.cfm?...4&itemid=23442
PLEASE PLEASE PLEASE let me know if I'm wrong in my new understanding.
Best
Murray