Thanks, @merej99. I took my time because I was afraid if I messed up, I wouldn't be able to back-track. With that mindset, I wanted to be doubly sure of my choice. @barrydutton basically walked me through my baby steps by e-mail, hence 'coach'.

Sounds like an interesting experiment... poking around so many different sites! Have heard of OpenLedger, but not Xapo. I'm probably going to let this step soak in before I go exploring. It takes a while to process and assimilate new info into what I've learned. Soon, tho...