All fixed!! I successfully took one link out of my husband's chain and added one to my chain ALL BY MYSELF. The new chain tool made a big difference. I wasted my money on the portable one. The derailleur no longer hits the spokes on DH's chain, and is no longer too slack in the low/low combo. on mine. I was worried it would throw the indexing out but the shifts are all still great. Its also interesting to me, that I posted this query on a coed site, and all the men that responded insisted I had a bent derailleur and that I should take the bike to my LBS. This didn't make sense since the only change I made was to swap out te cogset. Yo