Thanks to everyone who responded. If I knew all the answers I would not have asked. And I should have read deeper into the documentation before asking, and am in the process of doing so now.
What I decided was to stick with the release install66.fs boot image. It works to completely install everything without floundering around to find the file sets. I really have no need to run current OpenBSD. Maybe after a few months of study I will think about it again. Also I'm going to unsubscribe with this email account, and re-subscribe with my account with sdf.org where I will not be stuck with google's "top-posting". I don't like it either, same as everyone else. Clay