I waited for SD to reset the account then I logged in without VPN and was able to access the guide data.
I am hoping that now that I have turned off fetching artwork from SD that NextPVR will not try and access SD more than the scheduled time I have set for guide data. I turned the VPN back on and we'll see what happens.
Ultimately this is problem of Schedules Direct + your setup. ie, NextPVR is doing all the right stuff. It pretty much only goes out to Schedules Direct when it's updating the EPG, or to get artwork when you need it, but this SD's decision to try protecting their content based on ip addresses combined with your changing ip address...leads to problems. NextPVR doesn't have control over either of those aspects.
OK but if the problem turns out to be downloading art when NextPVR shouldn't I am not going to waste time without logs. I did have a discussion with SD and their solution is more geared to providers that change IP not VPNs that potentially change IP with every call. Without logs I can't guess what is is going on even during an EPG update.