Airguitar,
Are you using the Edit software, or trying to do this on the unit itself? I'm an old guy too, for me connecting to a PC/laptop via USB and using the Edit software is much easier to set everything up. Light years easier (for me).
I think you are on the right path with the setup you're trying to achieve, it's the way I've been gigging for years (plus I'm coming from the Spider Valve units). I have different amps 'channels' on the bottom footswitches (rockabilly/clean/crunch/lead) and then for each 'amp channel' I have different effects set up - three effects per channel (preset) and I always have FS5 programmed for a gain boost for solo's. I never use the Tap function, and use a headstock tuner, so if I ever want/need a fourth effect I will program the Tap button to be the gain boost.
I don't use IR's. The cab modeling in the 3.80 firmware is really good. I got my Helix right before Line6 came out with the cab modeling firmware update. I was going down the IR path, which is a whole can of worms in and of itself, but then that firmware update came out and I found it's great and no IR's needed. If you're on the latest firmware IMO you really don't need IR's to get a great sound.
Hoping you've gotten ahold of Silverhead and he's helped you out...