Thank you for all the help, so far.
I have made some refinements based on what I have read here, and posted a new summary on the Clydesdale forum. Even at my target weight, I'll still be solidly in the Clydesdale camp ... so might as well start hanging out over there.
Here is the new thread I created in the Clydesdale forum --->
http://www.bikeforums.net/showthread.php?p=7195200
Thanks again for the help.
Michael