Hmmm. I will stay with DT (I’ve never lost data and I backup religiously) because it has a lot of powerful features beyond storing files so my only remaining dilemma regarding my workflow is making a final decision between Craft and Obsidian. I want to stop "shopping apps. I’m almost there.
I like Craft, a lot, but there is something compelling about only using plain text files, even though I can and have exported Craft notes as .md files. I also like the idea of storing all professional and personal notes in one place and linking thinking, research, and project notes at will. “One note app to rule them all.”
I did not realize you could drag files into Obsidian and they would create links for you. That is MUCH easier than the awkward markdown syntax.
Ok, against my better judgment … I’m going to relaunch Obsidian and give it a longer test run. 
Addendum
I converted my DT notes to markdown, created a new vault, indexed it to DT and opened in Obsidian. Here is what I now have.
I’ll experiment with this over the next four weeks to ensure I give it a good test run.
My biggest challenge will be how to get a bulleted list of to-dos from Obsidian into OF without copying and pasting. Craft does this seamlessly and easily with one click.