I just took a few shots and transferred the files from the card to the hard drive by dragging them rather than using Nikon Transfer. I was able to get a preview and open the image in ACR and then to PS. I only use Nikon Transfer to renumbering the file to an id with my preferred format (yyyymmdd-nnnn). LR will do that but since I have LR3 on the desktop (I have to upgrade the OS to OS X 10.6.8) I'll either have to do it via the laptop with LR4 or deal with the cameras file IDs. One thing I had forgotten to do - I had not loaded the new software that came with the camera - it was in the Spanish documentation so I forgot about it and I was using whatever version I had on the computer. I'll try updating later and see if that makes a difference.
I talked to Nikon Tech Support. Apparently Nikon Transfer as a stand-alone application is old and outdated. The transfer function is now included in Nikon View NX 2. They had me uninstall Nikon Transfer and use the transfer function within View NX2. That allows you to keep the numbering system you're used to, Jim, from Nikon Transfer, it's just that it's now contained in Nikon View NX 2, latest version 2.3.1. My NEFs are now viewable in all software, whether Photoshop, Capture One, etc.My questions are all solved now. I'll give myself the "correct answer" annotation, but it wouldn't have happened without the discussion we had here.