So I went down today and it's still holding the 3-1/2" of chrome... but dang, I forgot to check that yellow cap for the seal inside. Next time.

And yes, I used a wrench, but it was only a 5" wrench (choked up in my hand) and I was careful to not overdo it, just enough to make it tight, tighter than I could with my fingers.... Yeah, I know, I have no way to know how much torque I actually put on it. I doubt I could get it off with my fingers, but it should only require a quick bump with a wrench to get it loose.

And thanks again for your input!