To set up SFTP with a private key, start by generating an SSH key pair on your local machine using ssh-keygen, which typically creates id_rsa (private key) and id_rsa.pub (public key). Copy the contents of id_rsa.pub to the ~/.ssh/authorized_keys file on the remote server using ssh-copy-id -i ~/.ssh/id_rsa.pub user@remote_host. Ensure the correct permissions on the server by setting chmod 700 ~/.ssh and chmod 600 ~/.ssh/authorized_keys. The private key format should be PEM, and the filename does not need a special format but should be correctly referenced in your SFTP client configuration.
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Securing data transfers is paramount in today's digital landscape, and SFTP keys play a crucial role in achieving this. As someone who deals with file transfers regularly, I can't stress enough how essential SFTP keys are in maintaining data integrity and confidentiality.
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Setting up SFTP with a private key involves a few steps:

Generate a private/public key pair: If you don't already have a key pair, you can generate one using a tool like ssh-keygen. Make sure to specify the type of key you want to generate. The OpenSSH format should work fine.

Copy the public key to the server: Once you have the public key, you need to copy it to the server you want to connect to. Typically, you can do this using the ssh-copy-id command. For example, if your username on the server is user and the server's IP address is 1.2.3.4, you would run the following command:ssh-copy-id -i /path/to/public/key user@1.2.3.4
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Actually, I retract my previous comment. I went through the whole process again, and now I'm able to make it work with an rsa key created with all default options from ssh-keygen on my Fedora36 build. Not sure what problem I was having initially.

I generated the key with:

% ssh-keygen -t rsa

which shows the "OPENSSH PRIVATE KEY" text at the start and end of the private key file. I used that to create that into solid explorer and it seems to work just fine. Sorry for the misdirection from my previous comment where I thought the private key needed to be in the older "PEM" format. I must have fat-fingered something somewhere along the way. The OPENSSH private key format works fine.

Ok,...I got it to work. Just in case nobody else replies, the trick for me was to create a key on the server side (Fedora36 linux) specifying the PEM key format:
% ssh-keygen -b 2048 -t rsa -m PEM

This resulted in a key that had the format:

-----BEGIN RSA PRIVATE KEY-----
.
.
-----END RSA PRIVATE KEY-----

This worked. Without the "-m PEM" argument, the default output of Fedora36 ssh-keygen was in openssh format, i.e.

-----BEGIN OPENSSH PRIVATE KEY-----
.
.
-----END OPENSSH PRIVATE KEY-----

While Solid Explorer was happy consuming the OPENSSH key, the connection would not work.

I hope this helps others...

Sincerely,

Joe