In case anyone was wondering -- you know who you are -- I tried messing with my PC audio setup as theorized in the attached post.
tldr: Computers don't care about our needs.
In installed the trial of VAC, which allowed me to make 2 input/outputs. That worked great.
First I tried Discord, running the desktop app, website in Chrome, and website in Edge, and all connecting to the same room. Unfortunately, I could only get 2 of the 3 clients into the same room for some weird reason. Normally each client would be a remote, but I'd need to run one app per participant on my machine, and there's only so many browsers in the world. This test was a bust.
Then I tried setting up a TS server and client. I could run multiple clients, but they seemed to all be on the same thread; when I changed the settings for one to set it's individual output channel, ALL of the running clients changed. THAT didn't help at all. THIS test was also a bust.
There's other clients like Mumble or Ventrillo, but really, I don't know how far down this rabbit hole I want to go. I suspect that the limitations of the PC itself is really at fault here. Aside from output -- which is what I want, your voice on it's own track in the audio recorder -- each application running locally thinks it's going to be the ONLY client running locally, and therefore not only provides an output (set to a VAC channel), but demands an INPUT. I don't have that many inputs. I have my main mic which I need, and a webcam mic, but that's about it. I COULD create additional "broadcaster" VAC devices that do nothing but broadcast dead air, setting their clients to MUTE the input, but for just three people, that's something like SEVEN VAC channels cluttering up my system.
Again, WHY can't someone create a client that just has all this built in? That pipes each unique user through a VAC that shows up in the Audio panel, which can be mixed down to a single channel or recorded as is? There's GOT to be something I'm missing or not aware of, because it can't REALLY be this difficult...can it?