Hmmm... I think I give up for now. Is there a 101 thread for this type of stuff anyone can direct me to?
Here are the line-by-line steps I'm attempting... and failing...
1. Settings ->SD card & phone storage -> Unmount SD card.
2. Plug phone into PC via USB (USB debugging connected).
3. Open command prompt on PC.
4. type "cd C:\android\tools" and press Enter.
It changes to the correct directory, but this is the point where I get locked up. Here are the different things I have tried as the next step...
5. type "adb shell" and press Enter
Permission Denied
5. type "adb shell su" and press Enter
su: access granted courtesy of magicandroidapps.com
sh-3.2# (It won't let me type anything after this even though curser continues to blink)
5. type "adb shell su
mount -o remount,rw -t yaffs2 /dev/block/mtdblock4 /system" and press Enter
su: access granted courtesy of magicandroidapps.com
su: exec failed for -o Error

ermission denied
C:\android\tools>
Also, when I open Terminal Emulator from my Apps, I get the same "Permission denied" error immediately.
I'm sure it's something stupid I missed... maybe I'll play some more later.