Thanks for all the replies! I figured it out =) First to answer a couple of the questions...
No, using all the same lens. Just 3 frames, left, center, right. Rectilinear lens, rectilinear projection.
The purpose of this is to shoot one left frame, one right frame. And many images in the center- people in different positions, for example. In PS I will layer up all those center images for using various parts of each, but the important thing is that they all line up perfectly. I can at any time go back and pick a new raw image and drop it over the center area in PS and it will line right up, without going through PT GUI a second time.
So there are 3 places I had to zero out things to prevent warping and lock the center image:
1. Lens Settings- create a separate profile for the center image, and zero it all out.
2. Image Parameters- zero out all the roll, etc.
3. Optimizer- No to adjust lens distortion.
Indeed, the stitch is not perfect. Actually it's not as good as I hoped. Might be more effort to fix stitch issues than to fix each center image. Alternatively, I realize I could include the whole set of center images in PT GUI in the first place, link them together, and they would all warp together. Only downside being if I want to add images later, I would have to go through that process again. Will be testing it out, and see what ends up the best method.
In any case, I got my question answered, so thanks for the tips in the right direction!
-J