After searching, I found some folk's rule of thumb for good action height is that the string height over the 12th fret is about the thickness of a dime. I can slide two pennies under mine (about a quarter inch). I was concerned because it feels like I really have to push hard in some cases -- and as an example, the furthest back finger in an A chord; I simply cannot push hard enough.

I was tempted to try sanding down the bottom of my saddle piece myself, but I'm pretty sure I'll take it to the music store to be safe, unless other people have suggestions.

I just noticed I was really creating some unique deviations from the standard finger positions for the chords in order to make them sound clear -- and I don't want to develop bad habits because of a guitar that needs to be setup.