I have learned much from these posts, The lesson on recomposing, especially as it affects shallow DOF, was an eye-opener! This explained a good portion of the blurry D40 photos. I reshot the same photos by increasing DOF, thus eliminating the blur. Though, at times I think this method betrayed the shot, which is where the AF points came in handy. I toyed with the 3 AF points on close ups (a floral arrangement and a toy arrangement) and was able to distinguish which area was active. This caused me to wonder if I'd use and prefer the D80s 11 AF points.
Why is Bluenose happy with one central point and I am not? Perhaps our eyes and brains see the world in different ways and express that through how we interface with the camera. Or maybe his technique is simply straightforward and I'm missing the point. I will try to think it through. Enlightenment welcome.
Another snag I unraveled was the realization I had expected P&S (DOF) results from a DSLR that behaves more like film. Once I shifted gears, the road was smoother. Still, a DSLR is not film, is not a P&S, is kinda both, is not either. Smile.
Everyone's information and perspective helped me work the D40 before returning it, and has deepened my view of DSLRs.