Thanks for your info., esp. your implication that I should make sure what is the normal fee (for what I am trying to do) before giving my own fee setting.

I too have control of my keys; but I am using paper wallets and duplications on files on USB drives that are kept offline, except for a few minutes at a time.

I worry about the chances of finding my hardware wallet inaccessible for some reason. Is that a baseless worry?