Figured out the screensaver/blanking issue. Neither screensaver proggie, whether it be gnome-screensaver, or xscreensaver, has been starting on login - the gnome-screensaver "daemon" if you will, is not in startup applications (it should be started on login), and neither is xscreensaver, so I will have to add gnome-screensaver.
Got the idea, kind of a "what the hell" thing, to type in "gnome-screensaver" as regular user into terminal tonight, just to see if it would do anything. It did. Then, I typed in xscreensaver, and got this response:
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:) xscreensaver
xscreensaver: 00:43:43: "gnome-screensaver" is already running on display :0.0 (window 0x5200001)I looked at it like, "WTH? gnome-screensaver wasn't running???!!!" - sure enough, it's not in Startup Applications.
I hit the shortcut key that I set up to kick in the screensaver (Ctrl+Alt+Z), and sure enough, the screensaver kicked in, and when I moved the mouse to get it to stop, there was my locking window, I put in my password to unlock, and it unlocked.

I'm just trying to figure out what took it out of desktop startup.
Oh, and FYI, I took kde's policykit out of startup applications, logged out/in, and my hard drive is running a LOT quieter now. I left Gnome's

- it's fine!
Just wish I'd thought of this crap before!

Ah, the weird stuff we can think up when we're exhausted...
I do still need an answer to the firewall question though. Thanks!