Simplify 3D question trying to fix Ender 3 Pro Filament Curling & sticking to nozzle

I have had my Ender 3 Pro for a few weeks, and have been having a problem with my own/thingiverse prints. [curling up of first layer, filament getting stuck on nozzle]. Nozzle, heater, bowen tube all clean. Bed leveled, and cleaned. The sample files on the SD card work. [Note: I have tried using CURA and Prusa Slicer, not using simplify3d but the included sample used Simplify3D so I am basing any calculations on the provided working sample]

I was trying to see if any parameters needed to be changed, so I started to examine the DOG sample. To me, it looks like the first Z layer is 0.45 (see line 213 below). However line 28 says simplify3d parameter Layer Height is 0.1, and Line 38 shows the firstLayerHeightPercentage at 90, so shouldn't the first layer be at .1 * .9 = .09, and not .45? Doesn't .45 seem high for a first layer? (.4 nozzle)

[Lines from the DOG gcode are below, I added a ; and Line # to indicate the actual
source line in the original gcode file, so I wouldn't need to paste it all.

; G-Code generated by Simplify3D(R) Version 4.0.1 ; Line 1
; Apr 20, 2019 at 5:15:48 PM ; Line 2
; layerHeight,0.1 ; Line 28 <<<<<<<<<<<<<<<<<<<<<<
; firstLayerHeightPercentage,90 ; line 38 <<<<<<<<<<<<<<<<<<<<<<
; firstLayerWidthPercentage,100 ; line 39
; firstLayerUnderspeed,0.5 ; line 40
; useMinPrintHeight,0 ; line 169
; minPrintHeight,0 ; line 170
; useMaxPrintHeight,0 ; line 171
; maxPrintHeight,0 ; line 172
G90 ; line 196
M82 ; line 197
M106 S0 ; line 198
M140 S60 ; line 199
M190 S60 ; line 200
M104 S200 T0 ; line 201
M109 S200 T0 ; line 202
G28 ; home all axes ; line 203
G29 ; line 204
G92 E0 ; line 205
G1 E-10.0000 F6000 ; line 206
G1 Z0.750 F1002 ; line 207
; process Process1 ; line 208
; layer 1, Z = 0.450 ; line 209 <<<<<<<<<<
T0 ; line 210
; tool H0.500 W0.800 ; line 211
; raft ; line 212
G1 X102.555 Y100.453 F4800 ; line 213
G1 Z0.450 F1002 ; line 214 <<<<<<<<<<<<<<
G1 E0.0000 F1800 ; line 215