Ok - I'm still working on this. It seems to be something more complex in the settings that I haven't figured out yet. It is causing a handful of accounts to move from one user group to another. A couple keep being moved to the "registered" user group where your posts are "moderated" (keeps the spammers out).
So my apologies - if your post is suddenly is "moderated" it's because of this glitch - it's not because you are being moderated. Unless of course you have just signed up in the forum.
It is good to know that you are still working on this. I can imagine the issues I would have if I used the new options or things that I can do as an "Experienced Member" and then have them taken away from me!