More experimenting; morning shots, bright but cloudy, beige towel.
First is 'daylight' white balance setting; second is ISO 80 setting; third is daylight and ISO 80 settings.
Doesn't look all that different, still have to Gamma correct three times to see any detail.
The 'Auto' settings don't look any worse than the manual settings, so that idea was a bust (for this cheap camera anyway).
But at least now I know how to lessen the 'bent' effect.