NavList:

Is no one going to answer this?

I think I may be able to answer my own question.  Would those more knowledgeable please check me?

I asked "Why isn't the lunar distance equal to the SD of the moon"?  My initial guess was that it should have been, but here is my better answer, seeking confirmation:

The lunar distance is calculated from the center of the earth, not from its surface!  The observer is at the surface, which will cause parallax.  Parallax moves the  moon's position, from location as if viewed from the center of the earth, to location as viewed from the earth's surface. 

Unless the occultation occurs right at the zenith, the lunar distance will never be equal to the SD of the moon.