Installed 1.0x60 nozzle + new t-stat. Bingo, problem fixed! Also, heard from Olsen. They said I can go down to a .85x80 nozzle if I need to and change speeds at fan center (not on motor). I talked to my local hvac supply dealer. He said the ductwork is way out of balance and far from able to handle 145K btu's.
Everyone is concluding that the primary problem is oversize furnace, undersize ducting, and my current service person.
Now all I want to do is be have someone check so I can be 100% certain the exchanger is not damaged (that really does scare me alot)
The new nozzle is really a patch that will get me through the winter. I'll reduct this summer.
Thank you all for all the help. I am impressed and eternally grateful!