Nothing to apologize for. I appreciate very much all of you helping so much. I do believe at this point that I have a pretty good simple effective rule set for my purposes and I understand what each rule does and why.
At this point I believe that my mikrotik is set up and secure and it is all thanks to you all. I still want to learn more and I have more questions, but, since I feel this thing is properly set up and secured, they are not mission critical so I’ll be posting them separately.
Once again thank you all. Very much appreciated.