I decided to give it another shot and I re-copied the files from my old /etc/samba directory to my new install and this is what I've got:
[homes]
valid users = %S
read only = No
browseable = No
So, I'm not sure which of the other lines was fouling things up, but apparently one of them was.
This is a lesson to me as well as all of the n00bs out there - check and double-check your work before you cry out that it's broke. The folks here are more than likely going to help you, but you may not feel so silly over something this simple.
Oh, and K.I.S.S.