Thanks Subietonic. I needed nothing more than your excellent description in your step No.1. The rack is now perfectly fit and secure. Turns out, my "cams" were under the bars, not in them. I still found getting the bars even on each side of the car to be a bit of a pian and don't look forward to removing the rack and re-installing it.
For those of you installing the factory rack for the first time, Subietonic's Step 1. is critical!!!! I don't think the directions with the rack tell you to do that (at least not very descriptive). You must turn the foot upside down and jiggle it until the metal "cam" falls into place so you can slide the bar thorugh it. Also be sure all the "locks" are in the unlock position (I screwed this up the first time too).
My new conclusion is: This is a good rack system but the directions should have been more clear. If I'd have mounted anything to the rack the way I first had it installed, it would have been on the pavement in no time.
Wind noise goes pretty un-noticed up to 75mph (with just the bars). I improvised filling in the slots in the bars with some plastic strips. Cut up credit cards would work best for this but I realize most of you need these to buy all your 'go fast' parts.