About the P.S.
> Eek! but now I no longer have a WYSIWYG interface here on this forum.
Funny. I go eaks, when these "many icons to assist the user in entering content" (http://docs.moodle.org/24/en/Text_editor ) appear! Apparently I'm not alone. Listen to Phil Hawksworth, "I can smell your CMS" http://vimeo.com/53317254#t=25m10s. (Found in "Re: Dear Moodle, can we drop tinymce yet?" https://moodle.org/mod/forum/discuss.php?d=223125&parent=985484. Also related, 'What is a "text editor"' https://moodle.org/mod/forum/discuss.php?d=226174. )
> However, I do know how to use basic HTML tags...
What kind of HTML tags were needed? It you use "Moodle auto-format" you get a decent formatting without any HTML. See the screen-shot.