ok after playing around with whdload... here is the easy way to do things
1. get the newest version of whdload WHDLoad_usr.lha WHDLoad is now free (is the software to load whdload games) maybe needed for step 3.
2. get some whdload games (can be .lha) no need to use .zips (whdload games are updated all the time)
use puae from retroarch for your Amiga emulator ( I used puae 2021 )
3. replace the files in whdload in step 1 eg in Q:\LaunchBox\Emulators\RetroArch\saves\WHDLoad in the C and S folder ( i needed to do this as it stop working ) by doing this you have the latest version of whdload
more info here https://docs.libretro.com/library/puae/
hope this helps
Ps .Adf just work too