After a lot of work, I pretty much have Leopard working the way I want. I just went to software update and saw a Login and Keychain Update. Apple’s support article says:
The Login & Keychain Update 1.0 for Mac OS X 10.5 Leopard is recommended for all Leopard installations. It addresses issues you may encounter when:
Logging in with an account originally created in Mac OS X 10.1 or earlier that has a password of 8 or more characters.
Connecting to some 802.11b/g wireless networks.
Changing the password of a FileVault-protected account.
Hmmm. It is likely that my keychain has been hanging around for years and it definitely has 8 or more characters. Thanks, Apple!