Encrypt key change
As the text states, one of the conditions must be YES. So just set your AppConfig: StoreCCInDB to YES, then perform the encrypt key change. I would suggest changing this back to NO after the encryption key change is made.
ALSO NOTE: To change the encryption key successfully, you MUST set the .NET user permission to the root folder for write access (ASPNET for WindowsXP(IIS5) or NETWORK SERVICE for Windows Server/Vista(IIS6) or IIS_IUSRS for Windows7(IIS7+)), and decrypt the web.config file in the Site Configuration Wizard, then update the encryption key.
Erik Sutton
AspDotNetStorefront Technical Support