Thanks for your explanations and your graphs.
DPReview posted one X3F file paired with a DNG.
I attached, at 100%, my processing of the X3F and DPReviews's processing of the DNG.
I think it would be more helpful to me if the Quattro H put out both DNG and X3F for the same file, but I wish a lot of things.
This sample of one suggests to me, that if I had a Quattro H, I would still want to process out of X3F files rather than DNGs. My first two tries from DNG were even less good than DPReview's jpg. Of course I might learn.