Sincere thanks for all commentary so far. There are some links here that I had not seen - and there is very good information there. I've started reading the 148 page book (The (almost) Complete Guide to Creating Menus in MODx Using Wayfinder by Kongondo) that I re-found recently, now kindly re-hosted on Sue's page.
It looks like Flexibility might be exactly what I'm looking for, thanks!
The oft-recommended PDF cheat sheet is the same material found on (Wayfinder author) Kyle Jaebker's
MuddyDogPaws page. Please forgive but I think proper attribution is in order to whoever originated that content.
I have a Lot of reading and experimentation to do. (Oh yes, and clients who need attention too.) But looking at the resources provided here, I can clarify my confusion a little better... This should provide some insight into the noob brain for ModX which you folks
did have at one point, but which I
still have, and want to explain for anyone writing tutorial material.
The unsorted list will contain more unsorted lists for submenus. Part of my confusion has been about separating the top level list with main pages from the subpages. I believe level 2-n subpages require a different template from level 1, as well as different classes for styling. Even if not using classes, there is different styling for nested UL/LI nodes and their related Anchor tags with hover, active, etc.
I don't need an answer on that because it's not a good question.

I'll do my reading and work it out. What I'm saying is that all of the examples (I've seen) so far make an intuitive leap like "if you're doing a dropdown menu, you create a new template, add styles, and you're done!" Whoe! There was a whole lot of know-how left out there!

This is where my current confusion is, and I will endeavor to find these links which seem missing to me now, and report back here when I find them. I'm not looking for a tutorial on CSS, just the styling required to support the various templates and tags/classes defined. That's why I was looking for solid examples more than general feedback, because solid examples would link specific styles, chunks, and the tags which call them.
I confess that while I'm competent with CSS in general, I'm not a CSS3 stud, so some of the answers might be in front of me. But I still don't see a lot of examples where multiple templates are being used, and in these tutorials when they say "just add your styles" I have a huge problem jumping from raw HTML provided by the chunks to the final result we see on pages.
Sorry for the long-winded explanation. Again, I will go through the resources provided here so far and will report back here on progress. But if anyone can now say "oh, Now I know what you need" and provided another reference, I'd sure appreciate it."
Regards to all.