I made a trip to Wally World and bought a $29 Logitech ClearChat PC headset with microphone, downloaded Skype from the site you forwarded, installed it, and it works perfectly. Have been calling people all evening. Even got a Skype number. Now, so I don't have to change everything, if I can just figure out how to forward calls from my home number to my new Skype number (it has a different area code) . . . . . or, better yet, get Skype to use my regular phone numbers. . . . . Perhaps someday I can read up on that possibility. Meanwhile, its great just as it is.
I was delighted to see the following in the Call Transfer section of the Skype webpage: "Note: this feature is not available in the latest version of Skype for Windows."