Got out last night for a nice dive. I tested the fins using 6mm sneaker soled booties (over a 3mil drysuit bootie) - a definite no go, I could not seat the fin onto my foot. They jammed on the top of my foot not fully seating to the curve of the pocket. I could foresee a very painful dive in my future, so I switched back to my soft-soled 3mil booties. There is a little room on the sides, but top to bottom, a nice snug fit. I think that answers the size question.
Overall, it was better than the first dive and I am getting better at stretching out my legs and just kicking. Surface kick out was absolutely no problem. Slowly finning around during the dive taking photos, no major problems (still the tap tap tapping on my toes). But, I still cannot find 2nd gear against a current. I will keep at it as I like the quality, size and ease of use of these fins.
I am going to go ahead and order a set of inserts, which even if they do not fix the tapping, should facilitate use of the fins on trips to warm waters.
Thanks for all the support and suggestions.