I finally bit the bullet and got Word. I had resisted because of the subscription price, BUT it eventually made no sense to just not get it. Absolutely every tutorial out there about various formatting things teach you how to do it in Word.
So I am moving forward at a better pace on Word. Am in the middle of proper formatting. I have not gotten to the headers stuff I wasn't sure how to do it, but I have links to instructions on those in Word and I'm sure I will be fine with those. In addition to moving forward through it with the formatting, I am tweaking some words that can be changed for the better, and have found two major goofs. I had five "beta readers" who I assumed would catch stuff, but a few things slid past all of them, and also me the first three times through it. Amazing. The read-aloud proofreading technique is always a good one.
Thanks for the link. Will check it out--I have looked at many, many sites about formatting for publishing, but it never hurts to see if another one has even one little thing that the others left out.