Just an update.
I got a Hikvision DC-2CD2332-I, and have spent days now trying different software, including: Blue Iris, Zoneminder, Sighthound, Xeoma, and Axxonnet. Others seemed either expensive (or were only available by asking for a sales call and quotation which to me said "very expensive and probably won't sell to DIY").
So far all have had some serious shortcomings, but I'm narrowing it down. I think Zoneminder is practical despite some real issues, mostly because it's easily hacked and changed (I managed to build from source last evening and get it running). Xeoma is the most interesting, it seems a new(ish) product with small following, but I really like many of its features, especially the graphical workflow handling of camera setups (you just hang a functional node off the camera image, e.g. you might hang a schedule node, then following it a motion detector, then following it an archive; then you could hang a different schedule node, no motion detector, and a save-to-file to pull off stills or video on a recording basis independent of motion). I think Blue Iris is my fallback -- it does most things I want, I just don't like the "needs windows" and "is both client and server combined", but it works and does what I need.
If anyone's interested when I finish this (i.e. get tired of trying software and pick something) I'll write up a summary.
(This might seem to be, but of course it isn't, an excuse to delay getting up in the hot attic and running wires to start mounting cameras).