Yes, I think you have it straight. As I said, it's confusing and I'm sitting in front of it. I haven't tried Safe Mode again, since you last told me to.
But logged in as usual, me/administrator--when I click on the Home folder, while composing an email message or trying to upload to a website--Safari crashes and so does Firefox. That's one thing, separate and apart: clicking on the Home folder results every time in a crash.
Otherwise, I can click in SOME other folders, so it seems (because I've not tried clidking on every folder on my computer, of course), and upload an image file. I suppose I should take notes. I've gotten online and in email so many times and tried so many things, I'm losing track.
But I do know that when I click on folders containing backed up (because I do in fact back up most everything) image files, I can access them and upload them. Again, I've not tried with every folder on my second hard drive, which is where I keep back-up. Nor have I tried from yet another drive that is external.
This all could be in conjuction with Photoshop and Bridge, though I can't really see how. But there are also files in Preferences beginning with com.adobe. And I've had both crash from time to time.
But as I said before, the Home folder seems to be the culprit, and it's only there when I'm logged as usual, and not as guest.
I'm actually surprised I can access other files, such as back-up ones on another hard drive, while logged in as Guest, but I can. And then I can upload also.
I can upload, while logged in as myself or as guest, except apparently from my Home folder when logged in as myself.
So, the main problem folder I know of is on my main drive, not elsewhere on a second drive or external drive.
You have it right, nutty as it sounds.
By the way, I did do the restore, which seemed to go okay. Now there are 41 files in Preferences, more than 12, and all seem to have been restored to ByHosts. That's all fine as long as everything works otherwise. All sems to be thus far, including Safari and Firefox. (I don't know what those files consist of.)
On the one good side, my computer seems a lot speedier than before. Apps are opening more quickly and so forth. I don't think it's my imagination, and so that's nice.