Greetings,
It would seem that the answer starts in WordArt not here in Paint.net.... I had one WordArt that had no background and one that I just created that did, both in the same Word document.. I just compared the two WordArts and the only difference I could see was that the first was marked, under Format WordArt, Text tab, as "In Front of Text". So I changed my new WordArt to the same copied it and pasted it into Paint.net and sure enough, only the fancy text image was pasted as I could see-through to the checkerboard background.
So a little lesson for all of us. I thank you for the suggestions and will still look into them for what they may offer for future needs.
Peace, LJ