Hi MB: It sounds like you have it figured out. Sometimes these things can be a delicate balancing act, and I was one of those who didn't calculate my dietary with supplements and had been doing it wrong for over 40 years

I ended up with slightly high ionized calcium, which now has to be checked every couple of months. I now have to watch for the onset of hypercalcemia from my mistakes. Luckily my mineral metabolism doc clued me in on the calculations a couple of years ago. I've been taking vits/mins since an early age, but no one told me to factor in the diet, so I was getting too much.
Unfortunately all those vitamins and exercise didn't prevent osteo from occurring, but I suppose my score could have been worse if I wasn't started on mega vits when I was 8.
I now have to take a reduced amount of calcium, but I get it all from my diet. I take a multi (all green) vit that only has 12 mgs of calcium in it and it took me about a year just to find one with that low amount. I need all the other vitamins but can't take extra cal, so I didn't want to give up all the rest or have to take everything individually.
Do you have any trouble taking your multi at night? Just curious, because I can't, it keeps me awake, even though the b vitamins are suppose to relax/calm you.