Okay, here is what I ended up doing.
Instead of first installing Dev-C++ and then downloading the libraries for use with Dev-C++ from the SDL website and manually installing them to the correct locations, I went to the Dev-C++ website under Dev-C++ Resources and then Package Repository page and found a premade package repository there for SDL.
I downloaded that and the runtime, and double-clicked the package to install (extension .DevPak apparantly registered by Dev-C++ program)
Well, then I went to create a new project, saw I had a new option for SDL project this time, chose that, tried to compile, got a small error, looked at the source to find it referenced an include file I never heard of, deleted that, saved, compiled, and ran and it was just fine.
The only problem is you can't use the newest SDL libraries if you do this
I'm still wondering why it didn't work before, using the files obtained from the SDL website, though???