I think my dilemma now is trying to figure out what my FC level should be, while I attempt to raise my CYA levels.

I just found a chart that has recommendations (originally from Ben Powell, no less!). For a CYA of 20 the target FC is 3. My CYA is most-likely lower than 20 and my FC was 12.5 as of last night, so I think I'll follow WM's and Dave's advice and hold off on the Di-Chlor (for now) and buy conditioner. With some luck, maybe my FC will start to drop in conjunction with my CYA improving.

I'm going to continue testing the TA levels, but plan to worry less about that as Watermom has suggested. (at least until I get CYA figured out)

My in-ground, gunite pool has direct sunshine practically all day long, so what is a good target CYA? I'm going to target at least 40 unless someone here advises differently. According to the chart, I'll try to maintain my FC between 3 and 5.

That's my plan going forward, pending moderation from the pro's here.