Thanks Carl312, at first try it seemed that Titles are separate frames that don't overlay the photo or video. That doesn't really suit my purpose. I finally figured out they have to go on another row in the timeline. As you can see, I'm definitely a newbie on PD. The problem I still have is all the titles I searched through had effects & motion. I just want a simple, editable text caption. How can I create one of those to put in the title library?
BTW, why didn't customer service just tell me to try titles instead of subtitles? I get one month free calls for buying the software, but usually they actually charge quite a bit. For that money I'd want precise, expert service! The guy actually had the audacity to tell me to read the user upload, implying I shouldn't bother him with this stuff.