SOLVED!
OK apparently according to DCS log file it could not find Windows "Saved Games" folder and then DCS defaults to "My documents\My games" folder instead.
So here is the solution if you want to recreate your Windows 10 "Saved Games" folder to the default location in your users folder:
Download batch file from following site: https://www.tenforums.com/tutorials/23504-restore-default-location-personal-folders-windows-10-a.html#11
Or create the batch file yourself with following content:
Then, if you want you can move this "Saved Games" windows library to another drive by right-clicking and selecting "properties" and then go to the "location" tab.
Hammerhead's post in "Saved Games" not working anymore after hardware change and copying DCS onto SSD was marked as the answer