Thanks, all. I feel better about my situation from reading your answers. I think all of the above is going on.

I saw this mom on the bus today with fine, wavy, frizzed hair with the same exact issues as my mousy brown stuff, but her hair was white blonde. Never really seen anyone so close to mine in texture before. Next to her and on her lap were her two adorable little daughters with her same, exact hair. It was such a cute sight -- and sort of put things in perspective.