I am guessing that you are right. Again, I dont know that I will be able to fix/find the true source of the problem, but if I can, then I can. I did some google research, and I am not the first person to encounter the problem. If you search some electrician forums, it comes up from time to time.
I am just glad that I know enough to be able to do some diagnostics and also swap out a breaker, rather than pay someone to do it. It would have been a nice little bill, even to get this far. And I have access to a decent multimeter, which would cost me a nice $$ as well.