Marj, when you say "tubes" here, people think Paint Shop Pro picture tubes with a .psptube file extension. From what I can see of your image, it appears to be either a layered .pspimage file or a layered .psd file because I think I see a copyright layer on top of the image. Those don't go in your picture tube folder.
If you can open it from within X3 but not from the folder, then this particular file type (we can't see what that is because Windows hides file extensions.) is not associated with Paint Shop Pro in Windows. Try right-clicking on the file and pick Choose Default Program from the "open with" menu. Then you should be able to tell Windows to always use X3. If this doesn't work, you will have to unhide the file extension so we know what kind of image we are working with.