Win2K3 Server IIS SChannel event 36871 "A fatal error occurred while creating an SSL server credential."

To make a long story short, I went to use a client software I use a couple time a week and it wouldn't connect to the server, complaining not found or SSL issue.  Upon looking in event logs various dcom errors, schannel errors, and a few others, which I've systematically over the past 24 hours cleared up so the boot is now clean (no delay starting network on startup and no message about service couldn't start).  It appears something happened about a month ago after the server crashed where at least the first DCOM messaged showed up, but everything has been working fine until it didn't.  The dcom fixes end up having to do with the ...\rsa\machinekeys (and the path to it) had some "unknown account" in it, i've cleaned all that up (at one point i removed all the items from that folder, but then put them back later (overwriting all but 2 after creating a new certificate), had to reinstall virtual server and iis 6 at one point as well.  Anyway, i'm at the point where everything is working (no event log errors/etc) from boot up until you try to connect to the IIS 6 server using https: ... at that point you get the SChannel Event 36871 "A fatal error occurred while creating an SSL server credential." (no additional information) being logged and the browser client can't access the site (you can keep attempting and it doesn't work but no more event log entries).  So that's where I sit, http: works fine, https: not.  Certificate shows up in the default website okay, says valid and has private key, the 443 port is there, all default address, netstat shows port 443 same process id as port 80.  I can't find a copy of SSLDiag to test with to see if that will reveal anything?   

So I need some help fixing whatever is wrong to get this working again.  What do I need to do?

Thanks!