Nope...you can key all joints by selecting the whole character at the top level of the Animation Editor and hitting the + button above it. My problem, by the way, is solved. It was indeed just a bug that the latest service release fixed. Guess that's what I get for testing with someone's old software install. ;-P Everything works now as expected. (Well, except some clothes aren't deforming right. But that is another issue altogether....) ;-)