Thanks guys for clarifying what's out there somewhat. And rest easy, Easycor, we're both going to be dead a long time before I would ever get even close to being capable of building a real world terrain to scale - no matter how much of a brain dump I was to get and from who. And I'm sure most of those who are trying to sort out this stuff are the same - so most of a couple of years of experience isn't going to do us much good.
Part of the reason I've asked though is this: the hardest part of sorting out this kind of stuff via forum searches is that you often can't tell what "level" the information discussed is at, and much of the time, to what purpose the information exchange is intended between the people who are discussing it. And by the time you can, you already know enough to know whether it's applicable to what you're doing in the first place - a catch 22. So you spend a lot of time trying to figure out stuff that's worthless (to you anyway for your current purpose).
FWIW, I have no desire to gain access to anyone's "secrets" - frankly, I'm at the level of "insert key in ignition, turn and hope " - knowing how Mario Andretti takes corners is academic. At this point, I'm just trying to sort out which paths are worth walking.
Anyway, so far, I've been able to create a realistic appearing terrain by layering my wholely fabricated heightmap that has the gross terrain levels I desire on the continents I designed with a psuedo-random terrain generated by Terragen. By varying the transparency of the overlay, I can make wholly realistic looking hills and valleys, at varying "intensity levels". By overlaying that with a drawing layer, I can place realistic looking river valleys where I want them, and it all looks "wicked pissa".
But then - I hit mountains. Frankly, my ability to create mountains sucks. The ones from the terrain generators I've tried all have a certain "sameness" about them that feels markedly "artificial" when I fly/drive around them offline - I really don't want to place them on my terrain. I know what the mountains I grew up near looked like - and that ain't it! Drawing them by hand is not my forte, so....
I decided I wanted to blend a few sectors length of "real looking ones" into my terrain where I've determined that I want the mountain ranges to be, and the best place I could think of to get real looking mountains was to use real ones. I mean, how hard could it be .... ???
Having finally just come up with a way to easily create a bitmap from a GTOPO30 DEM, I'd planned to go forward that way, but was wondering if in my inexperience I was missing another source that might be far more easily incorporated.
That's all!
and thanks to everyone again.