Solved: Problem with bash login.

[Michael ODonnell]

> It is more useful to explain the semantics of bash initialization
> files then it is to call one "correct".

The authors of the (remarkably complete) man page for bash
apparently agree with you, since they made no arch pronouncements
about what is "right" and "wrong" usage of the files in question.
Instead, they just supplied (mostly in the INVOCATION section)
a fairly concise description of when those files come into play.