Sorry for taking so long to reply, theducks, but life can be complicated!
So, too, is all this progamming/encoding stuff. To put it briefly, let's just say that I now see how confused I was, using the term "convert" wrong and everything.
I'm going to have to look into this a bit further... Like looking into the "user-optional" encoding you mentioned.
And if I have any more specific questions, I'll just start another thread.
Thanks again for your time!