Again thanks John, all that was pretty much understood in my mind, (but maybe not quite so organized :stuck_out_tongue: ). (I'd already done the "reset" disable, I just didn't understand what you were saying. Learning the jargon is part of the learning curve.) All, that is, but the comment "Note that if you use an ISP to upload a sketch ("Upload Using Programmer") you will no longer be able to use the bootloader until you write a fresh bootloader ("Burn Bootloader")." I will definitely keep that filed away somewhere in the grey matter. And thanks too for a couple very good tips!
To fill in the blanks, I'll try to be more specific to the actions that occurred.
I purchased the chips as "bootloader installed". At the time, I hadn't learned yet how ambiguous that statement can be. Meaning if they were loaded with fuses incorrectly set for the Uno, they might work on a breadboard, and still not work on the Uno R3 board.
In my first attempt to load the bootloader, I was using the breadboard method with a minimal setup. Here I learned about the issues with "fuses" setting clock speeds. When my xtals finally arrived, I tried the same method (breadboard) and although the Uno went through the motions, appearing to send the bootloader to the chip, when I put the chip in the Uno it would give "sync" errors when trying to upload a sketch. At that time I wasn't sure if the chip ran on it's own on the breadboard or not.
In an attempt to see what was going on with the chips, I found Nick Gammon's sketch to identify the chips (Thank you Nick), and couldn't figured out how to put it in a usable form in the IDE. At some point after reading from other places, I saw a reference to the IDE. I'm not sure what promped me but I downloaded IDE 1.0.1, and found that Nick's sketch compiled and ran fine within that. (I had been using 1.0.6). This prompted me to try loading using the UNO as an ISP but through IDE 1.0.1.
I don't know why, but all 5 chips loaded smooth as silk; and ran on the Uno board. When I ran Nick's sketch again (on IDE 1.0.1) I could see the changed configuration on the chips. I then looked at one prior to reloading the bootloader, and could see the configuration had changed in the fuses. I also noted that the bootloader area was loaded with 0xff's but there was some code loaded lower in the memory map. This begs the question: Is there an issue with IDE 1.0.6, or my download of it? Has anyone else that has bootloading issues tried 1.0.1? Apparently there are enough differences between them that Nick's sketches wouldn't compile in 1.0.6 (or in my fog of confusion I got lucky in 1.0.1). I am putting all this here in the event that it might aid someone else having issues with loading bootloaders. Thanks for the help, hopefully I will learn and grow enough to help others.