Man oh man that was a struggle… for me at least but I think I have it working.
Thank you so much @ScruffR for spelling it out for me. It really helped. Thank you @rickkas7 and @gusgonnet for the encouragement. For those that are looking for something similar here is what I did… Note this may or may not be correct but it is working so far.
I added the following to both my .ino file along with @rickkas7 SdCardLogHanlderRK.cpp file.
#include <Adafruit_SSD1306.h>
extern Adafruit_SSD1306 display;
Note that this was the kicker to get things working for me. Adding the include to the .CPP file along with the extern, I had not seen that yet in code examples, or just did not notice it before.
Not sure if they need to be in both the .ino and the .cpp but hey it worked so we will see. Now the display on my OLED running just the simple counter test shows “Write to Card Sucess” at all times, unless I pull the card. Then it will show “NO CARD” but only for a second, then it will disappear, then reappear for a second, disappear, and so on, and so on. I am guessing that is a timing thing with the debug delay, but that is a whole other thing to work on later if I want “NO CARD” to display at all times when there is no card in the reader.
Ok, thanks to everyone here and especially @ScruffR for pointing me in the right direction and spelling it out in Crayon for a noob to read.
This is the part of the code that I modified… or I guess just inserted my little bit.
In the SdCardLogHandlerRK.cpp file around lines 66-67 as was pointed out above right under the DEBUG_HIGH. I added the part in bold.
DEBUG_HIGH(("sd.begin failed (no card or no reader)"));
display.print(“NO CARD”);
Now for success message at around lines 161-162 right under “if (curLogFile.write(buf, bufOffset) > 0) {”
I added the part in bold.
if (curLogFile.write(buf, bufOffset) > 0) {
display.println(“Write to Card Sucess”);
Last is the fail message around lines 180-181
Right under this “DEBUG_NORMAL((“write to sd card failed”));”
My part in bold
DEBUG_NORMAL(("write to sd card failed"));
display.println(“write to Card Failed”);
This was all done on a test unit and separate test app. Now to see if I can pull it all back together on my main app. Thank you all again and let me know you have any questions or suggestions. I am happy to help in the little capacity that I can… if I can. 
I had to snap the pic of the no card message quick as it disappears faster than a glass of wine on this desk.