Answers...

to commonly asked questions.

Is time machine backing up everything?

Scotty thank you for your help.  There is a glitchy thing in System Preferences with Desktop/screensaver.  It crashes almost immediately I have had to perform a force quit every time - which is many!  I've never been able to set up the screensaver.  It worked fine when I connected the mac book directly to the monitor.  Any ideas?  

update: Problem occurs in second user as well.
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Next step is to try to isolate if it's one screensaver module in particular.  Does it happen if you switch to a different screensaver within the system preferences?

This image is a theme.plist hack