robertd,
I don't think you're the least bit ignorant, just perhaps confused like the rest of us !!
You seem to have hit on exactly why the "hiss" problem is such a problem. It "masks" itself into may different forms, and yet is very inconsistant and spotty.
Everything you mentioned has been a reported "problem". Different people with different systems in different rooms and environments are experiencing varying degrees of hiss. Some experience none.
I used to work on cars....people would bring in an auto with an intermitant problem, and diagnosing it ended up being the hardest part. The fix was always easy. I guess I equate Outlaws current dilemma with that.
So, there is no real nutshell to put it in...