It might be this easy. Keep in mind I'm accustomed to doing this two versions back. I'm incredibly behind on several deadlines and don't have time to do the testing necessary to see if I have it or not. I'm working between multiple sites etc. and am getting inconsistent results atm *but* your idea has worked in some cases. Where it isn't it might be cache-related (although I dumped). Thank you. I'll try to get back with a definitive yes or more details on what's not working. Thank you for answering what seems a really goofy question.
For earlier posts: 1) yes, I'm using "Save for Web & Devices..." and 2) I was unable to get adding a layer for the background color to work, but, as I mention above, I'm scrambling right now and it's really easy for something which should be obvious whizzing right past me, what with new Photoshop on one hand and on the other my rushing.