Roy,
It seems pretty normal to have to adjust the length of the chain, and even take out a cross chain in some cases. A hammer and chisel make pretty easy work of that. I also make sure that I don't have any extra chain dangling because I don't want it to catch on anything.
Hey, what do you mean about having the rear tires set 'fairly wide'. Is there some way to adjust the rear wheels in and out? Sorry if this is a newbie question, but I AM a newbie...
Frank