Ah ha!

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Stupid bike. But! I did figure out the handle bars. They are at maximum height. The difference between this and other bikes, beside having two screws along the length of the fork is that there are spacer circlets around the shaft, from the handlebars to the fork. If you want it shorter, take out up to three spacers. As is, as I said, all three spacers are installed so it is at maximum height. As well, I adjusted the seat to the height I prefer. Further, I now know about the brakes, if I might have another issue.

This time, when I went to work on the brakes, I didn't go in thinking everything was working as it should be. The idea you gave about, perhaps, the caliper not springing back... made me think. Also, I didn't just mess with the brake in that regard, I tinkered with setting it up and further, took the whole break assembly off to tinker and get a better look at all things. Two problems remain.

The problem with the brake itself is that the caliper definitely does not spring back. After taking the whole brake assembly off, and tinkering with it, I was able to get the arm to work. As soon as I reinstalled it, I could no longer get the arm to spring back. The only nuts which might loosen whatever might be binding the arm from springing are meant to be tight. Even so, loosening those didn't seem to help in any case. I will have to take the bike in for that, and probably the other problem too.

When I was adjusting the brake, I noticed that the disc attached to the wheel oscillated in it's path. It would wobble left and right, and quite a bit. This would make braking less sure and I just didn't like it (for a thousand and one personal and mechanical reasons beside what was mentioned). Nope. So, I loosened the tire and tried to tighten it back more evenly. Nope. I tried again with negative results. I will look around online, but there is either a trick to it that isn't straight forward or there is some problem with the bike. Oh, I did check to see if the tire, when loose... or the disc when the tire was loose... whether the disc continued to oscillate. It does not and the tire is "flat", not bent. So, I am guessing I am just not tightening it evenly enough or there is a trick to it.

But, darn it, I got back out and learned a bunch. This IS why I did this. To learn, and learning I am. I am not learning for the sake of learning, I am learning so that I may maintain my own bike, and adjust it. Perhaps to help other people out too. I guess my first problem was assuming all the parts worked as they should. Ah well. Now I know. And I have a better idea of how to go about some things in the future. I only have a mechanical inclination, I really don't have mechanical experience. Thanks for the help!