Solved!!!
Thanks especially to Midway, Damion, and Matt_H (Damion and Matt had older threads that helped.)
It runs perfectly stable even WITH the screen saver running. I ran it for over 24 hours with a mix of mp2's and mp3's with BTD screen saver.
In the end, yes the Delfina was a bit of a pain to find the magic combo, but the card is simply awesome. Little CPU load, friendly on the zorro bus, and excellent sound quality.
Here was my winning combination:
AmigaAmp (Amplifier tends to crash over time). Latest 68K version from their website.
MHI
DelfinaMpeg Version: 1.6
Delfina.library Version 6.14 B3 Patch #2.
Delfinit NOPATCH Quiet - to init the card.
I used the same settings as Midway for Amigaamp 1s and 256k for playback settings.
Thanks again to all that helped!
Even though I use a Delfina Plus, I'm sure that this would work fine on a Lite also and maybe even the original Delfina zorro card. Have no idea if the clockport version will work well with my setup.