Just in case there is anyone else experiencing my problem, here goes:
I was mortified to realize that I was one breaking the 640 wide rule.
On a photobucket account, if you click the small thumbnail, to get the larger size, the key is the percentage sign at upper left. If you check the size at that point, it indicated that percentage. The only way to make sure it's the right size is to edit resize/adjustments/resize to check the actual size. Changing the numbers there will do the job and make it safe to add here. I use my photos for other things so need to store them at a larger size.
It took awhile but I think all my transgressions are rectified.