Thank you all for the tips and the nice link on bike fitting. I like the idea of noting where I started, so I can at least return to where it was if things go really badly. I did get a fit when I purchased the bike last summer, not a RETUL or BG, but it included saddle height and fore-aft, knee to spindle position, the stem was replaced with a shorter stem, etc. Had it back in last summer for a few tweaks, and they positioned the new saddle this year when I decided I couldn't live with the stock saddle any longer. I will keep playing with it and will make sure to keep the mini-tool at hand until I get it right.
ETA: This is embarrassing. I should say that I do not ride clipped in, which probably makes it more difficult to keep a consistent position on the bike, and probably makes fitting more difficult, too. I have enough knee, foot and back issues that I move my foot around on the pedal a fair amount while riding. Also, I find the thought of it really scary having had two fairly significant bike crashes my first season cycling (I am going into season four now), but still lacking confidence. Thankfully, neither incident involved other riders nor vehicles.



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