Well, it still tripped, so I replaced the cb this morning with a 20A one, which was the limiting factor for the supply wiring. So far, other than the drain plugging up and leaking all over the carpet, it's been working...hopefully for a long time.
I did search out a condensate trap to replace the pieced together one that's there that can't be cleaned easily. I bought one of these http://airtec.rectorseal.com/condens...trap/cleartrap from an e bay vendor pretty cheap. Looked a little around town, but couldn't find anything and didn't want to waste gas looking further.
BTW, looking inside at the compressor, the heater thermostat and body of the compressor and wiring was pretty pristine - not bad for 7-years. I usually do shut the breaker off over the winter - the 40W heater, probably continuous over the winter, still adds up.
Thanks to all that responded - I don't deal with these things too often other than as a user - adjust the thermostat!
Now, the (25-year old) power protector I had in the system died a month ago, and I bypassed it. I can buy the same model, but the replacment is this one: http://www.patriot-supply.com/files/icm491_ss.pdf. I have an ICM490 in there now. Question is, is it worth installing a new one? Biggest advantage to me, seems like during a power outage, and reapplication of power, it would prevent the system from operating until things stabilized - cheap protection. I had it interrupting the 24vac circuit so neither the air handler nor the compressor would turn on until the power stabilized. Not sure if it ever kept things off from a severe brown-out - I didn't have the low-level cutout adjusted very low. The 491's price is lower than the old 490, so seems like that would be the better choice.