Ok. I have a bunch of things to try yet thanks to all this positive feedback!
First, I'm using a Singer needle, size 110/18....it's all I had. The thread is some very old stuff on a wooden spool, it only says "40" on it. I just had it handy and decided to use it. The bobbin that came with my 99 was already threaded...it's some cheap, weak crappy thread, but I don't have any other bobbins right now, and haven't thought to wind it with some good stuff yet (I don't want to waste my good thread if I can't get this 99 to work decently). Right now, it's about to earn a spot on a shelf for a while. If anyone sees that this could be an issue (needle/thread), let me know.
Second, tension disks appear clean. However, I'll get more fabric and see what happens tonight. If it sticks again, I will try your suggestions, Tammi, and see if I discover anything.
Thirdly, I'm not someone who will get upset about being referred to another helpful area. If your worried, just PM me.
Thanks again for all the help guys! I hope I can one day repay the favor!