Hey Al. I was hoping I could post again before you saw my terse update. I was going to expand on my post to give you the info you are asking for now.
Right now, I zip everything up into a single file. Doing this on Windows works fine for Macs. I haven't done the reverse, but I suspect it would work fine too.
After reading the first hit on the link I posted, creating the .dmg seems pretty straight forward. However, I want to go a step further from that for now on, and actually create an installer app as part of the .dmg. I'm now researching what it would take to do this. I would be happy to share it with you when I am done (as long as you don't mind a "powered by Smustard.com" label at the bottom of the dialog...
Todd