Thanks for your input jcp5 - yeah that was the fastest transaction yet - I think it was within 5 minutes of selling, paying, & shipping!
While I give credence to what westmill is saying, some of my tests today involved an old wooden bird house. When shooting this with the 100mm lens, the entire center circle in the viewfinder was on the bird house surface. I thought I would try to post an example here - don't know if it will show the differences as well as on my monitor, but here goes:
These are with the DFA 100 2.8 Macro WR lens.
The first image is with no AF adjustment - the second is what I ended up with at +8 adjustment.
Thanks for the info about sending in the body only to CRIS jcp5 - being the K-5 is under warranty, I'm going to send it in if for no other reason to check my own sanity at this point. If they say they calibrated it - great! If they say there is nothing wrong, then I will know what I have to live with and can get on to bigger and better things.