It's pretty clear that if I want UTF-8 to appear correctly in xterm,
this has to be set to 1. I also read it should be first before the
other stuff, but not sure it matters.
Not sure I like this, but on my new setup and the new monitors, the
black-on-white setup seemed far too intense. I am not bothered by my
usual Emacs 'linen', so I wonder if some white-ish color like that on
xterms would be better, but using white-on-black for now while I
figure it out.