Thanks for your reply JavaLawyer. I was finally able to create user accounts, and some of the other advanced setting options, when I accessed the camera directly (using URL 192.168.1.whatever, when I was at the camera location). Couldn't do it remotely in the mydlink advanced settings UI although it looked like it was saving the info.
I enlisted the help of a computer wiz friend who was able to get into the clubs website and set up something to do with ports which allows us to now get into the camera remotely via a link. Password restricted users and everything else seems to be working great now. Part of my confusion was the fact that I didn't know the mydlink access path would not work for guests (view only) and just works for the administrator. There's no product info that I found which explains any of this.