Well...I went ahead with "hot rodding" my seat mount. First, I 'massaged' the original seat bracket to better fit the larger tube diameter. When I disassembled the seat and removed the bracket, I found that the corners of the bracket had pierced the rubber pad and cut thru the paint. No dents but I've only sat on it twice...no riding. I'm convinced doing this modification is going to save my top tube from grief.
So, after some hammer massage therapy, the bracket fit the tube radius at each end. However, the bracket still only touched at the ends, no longer 'point loaded' but more like an edge bearing on the tube surface. Better, but not what I wanted.
After an hour or two contemplation, I decided to try the seat flat on the top tube (without mount bracket). This reduces the seat height by about 1/2" and drops the front of the seat rise by just a bit. The seat needs the support of the original bracket to help keep its shape, so I ended up sawing the center bit out of the bracket, essentially creating two "L" brackets. These bolt into their normal positions on the seat pan and hang right alongside the top tube...the original band clamps can be used to hold the seat in place but I need to make up some rubber protection (out of old inner tubes) for the top tube first. It is going to work fine...I think!