hi14

CORRECTION.
Installed version is 4.1.1.

If you found something else, then what did you find?

Thanks to all 3 above.
@kmessinger : Child Theme seems like what I am looking for. Thanks for link.
@andrew Nevins : Good to get affirmation that it is okay to do so.
@jan Dembowski : I am most likely going to go with Child Theme, but that custom CSS plugin may be useful and will review that too after reading up on the Child Theme method.

“CAPTCHAs don’t work: it’s way too easy for spammers to farm out the images and get the correct answer”

I disagree. What you describe happens ONLY if it is an ancient captcha (what I call now dumb captcha) implementation (this is not 5yrs or decade ago). If the image URLs are being generated new, real time, then it is impossible to create a map (farm) of image to the captcha phrase generated; in fact doing such a thing would just screw up a spammer more.

Edit:
I see you are some kind of moderator level.
So, in that case adding more, in hopes it gets to WP.
The CPU or resources used to do the as needed real time calcs is tiny. Non impacting.
Not only can the URLs be generated new everytime, and image names change per request, and tracked in back end, but an expiration period can be applied to that association.

In summary, Captchas can be very useful and effective if done correctly, and a modern form of captcha implementation is done.
So, WP should indeed add Captcha ability as a default part of WP. WP designers/developers can choose to leave it deactivated up an installation of WP, and let the site admin activate such a feature/plugin. This way, those that want it can activate it, and others just leave it off.

@cubecolour
Thanks.
?? Well that STINKS! This is 2014 (depending what calender system you use). 5 years ago, I could say, ya, okay. Now, it should be standard as part of default install. Now, if activated or not upon install of WP, is a different topic all together.

I will search the plugins too.

@everyone else.
However, if anyone know of a FREE plugin that they feel works best, please indicate. But, no plugin that does any activity off the installed WP site. I want all Captcha activity (images, calls, links, calculations, etc.) to be within my WP installation.