For whom it may concern --
Well I went down a rabbit trail trying to do some kind of "clip" given knowledge of the Fl_Scroll settings. It was futile. I now get that the futility is because (at least with X windows on Linux???) child sub-windows will draw above/over their parent window (e.g., as necessary for menus, dialog windows, etc). I also tried setting "non-modal" for the child sub-windows in a guesswork attempt to overturn that behavior, but to no avail.
So I suppose this scrolling exercise for me is finished. In retrospect, I probably should have subclassed my widgets under Fl_Group not Fl_Window. Lesson learned. I may have an escape using a zoom-based approach, however -- I will try that next. Sort of like a viewport into a scene where the viewport is scrolled/dragged around over the larger scene.