Thanks, I appreciate your help, but I looked at all those options. That does work for streaming to a web browser using WebGizmo, or streaming to my Oppo player, but to get audio playing from my Android, the only option is to use the Gizmo Android App. WebGizmo does not work with my Android browser. The Gizmo App works, but the streaming quality is one of three: 64, 128 or 320 kbps. No matter what the settings in JRiver are, if the Gizmo Android app is set at 64kbps, it WILL play 64kpbs, and it of course, will sound like garbage. To me that indicates that the Gizmo app is controlling the streaming quality to my Android, and not JRiver MC, unfortunately. Very odd restriction... Of course I can set the Gizmo app to play at 320, but that's as high as it goes.
I'll keep at it, but it is not looking good for the Gizmo Android app. Too bad, it's really nice other than that. I'm surprised more people aren't complaining about this.