OKAY! I'm on Easter break (school is out for 10 days), giving me a little time to experiment. Essentially, I made an "abridged" copy of my system onto a USB drive, made sure it worked correctly, then loaded F96-CE up in a subdirectory on the USB stick and moved my old fossapup64save into that folder. Upon rebooting, I was asked if I wanted to upgrade from F95 to F96, warned that this could break my system, and offered the option to say "no," whereupon it would boot up F96 in RAM. Since this was a copy of my system, I had nothing to lose. Upon reboot, I was given the ption of booting into either 95 or 96 and chose the latter.
Well, it worked almost without any glitches! Mind you, I did NOT do an exhaustive test, but things seemed to work well. I typically run waterfox under spot and it didn't use my .waterfox save file, so that might have taken some configuration -- and there may have been other issues, but I think nothing major that someone used to Puppy couldn't fix. The one glitch (as I was warned) was pulseaudio -- it wouldn't load, I worked on it for maybe 15 minutes to no avail, noted that under "Setup" in the menu there was no "Pulseaudio Sound Wizard" and took no more time trying to get it to work (since this was an experiment).
Upon powering down, I was given the option to save or to not save. Interesting... I chose not to save, and upon rebooting, it again asked if I wanted to upgrade -- so presumably, my fossapup64save and .config directories were left untouched. Later, I moved the fossapup64save back to its original location, then rebooted into the original F95. Everything seemed to work fine, including sound (SHORT test, not exhaustive) -- but my desktop icons were the default set, not mine - an easy fix.
SO -- anyone trying this, FIRST (of course) BACK UP YOUR SYSTEM!!!!! If you wish, post your results. Me, I'm not upgrading permanently, as I've got F95 working the way I like it. Again, thanks to Jasper and BigPup.