Melv25,
I think Jim said it very well. In fact, I went back and edited my response a bit after reading his.
I'm not sure what to tell you about the 196 / 392 issue. This is the way I've done it for 3 years, and up until now, nobody has suggested that it is not correct. FTDNA will be providing X comparisons on about Jan 1. Let's wait until then and see how they do it.
John