Just a quick update.
Thanks to this guide, and a little guidance from ocnbrze I was able to root/unlock my phone the same night I started asking questions about it with the latest OTA already on the phone to start with.
That was it. About six hours later (5.75 of those hours finding the solutions mentioned above in my post, on my own) my phone was rooted/unlocked SU access, etc.
I didn't flash a custom rom, I just stuck with the stock rom, re-installed my apps off of google play store, re-setup my phone with the preferences I like to have and I was back in business - but now I am able to use things like Roam Control again, and a few other root only apps and I am a happy camper.
Hopefully this info might save someone else down the road....