Update to Drupal 5.1 complete. We hope.
Some modules I use aren't available for v.5, so let's see how it goes. I might shift back to 4.7.6.
More update.... It took some doing to get the image toolkit working. After installing the image module, trying to change that setting would show me that there were no toolkits avaialble, so drupal would use it's built-in GD. Of course that didn't actually happen; no toolkit was used, so trying to upload an image resulted in no thumbnails.