Okay so scratch that.... any sbsar file will work, but only if the channel values are first adjusted by clicking on the substance file in the Item List, NOT in the Shader Tree. If I go the Shader Tree, add my substance, and tweak settings, I see no change. But if I go to the Item List, select the substance, and tweak settings, I see updates. After I've done this in the Item List, I can go back to the Shader Tree, tweak settings, and see updates. It's almost like the substance file doesn't know to update anything until I interact with the one in the Item List first.
Sorry for the noise...