What is fantastic about openvpn is it can be used without knowing much, and it 'does the right thing' and at the same time, allows apparently infinite flexibility for more sophisticated setups.
The simple method described at that URL does require a single secret key be shared between client and server. I had to add "--cipher AES-256-CBC" on both ends, as the default seemed to complain otherwise.
The additional 4 lines of config to do keep-alive works really well, too (described at that URL).
Thanks again, awesome NetBSD community!
-Mike