Still can't sign form created in Adobe X, saved as Reader Extended PDF, Additional Features enabled

Question

I've been trying to make a form work in Reader with fillable fields and signature enabled.  I want to give users the option of typing their information and using  a choice of Pen Signature or Digital Signature.  For some reason you can neither fill in the forms nor insert digital signature or use the Pen option to sign.  All highlighted fields are just shaded boxes in Reader, not fillable.
After saving and reopening with Adobe X Pro,  both security and document properties indicate the form allows fillable fields and signing but I get the following message when testing in Adobe Reader:
The security settings on this document prevent adding text and/or placing a signature on it from Adobe Reader,.  To fill and sign this you need to print it out.
Document properties are set to No Security, with no restrictions and Edit>Preferences>Security>Digital Signatures has nothing ticked on the first page. 
Digital Signatures Advanced Preferences are marked as Verification document specific, prompt if not available; Ignore document validation; Verify Signatures using Current Time. 
Under Creation tab Default Method is Ask When I Sign.  Default Signature Signing  Format is locked at selecting between the 2 certificate standards - PCKS #7 - Detached and CAdES - Eaquivalent.
I've tried leaving out the digital signature verification which is, of course, impossible when there are Digital Signature fields in the document.
The goal is to be as paperless as possible but this sure isn't working if you have to print it out.  And, of course, it can't be saved in Reader, either, to then try to fill in the forms.
Any and all answers are appreciated!

Answer 1

Thank you for the info, George.  I have posted an example on dropbox - https://www.dropbox.com/s/qyiudku6pqm3kxf/rehire%20packet%20rev%20Mar%202013%20%28full%203 a3%29.pdf
I'm getting closer to resolving as at now text can be entered in non-signature boxes.  Given who will be completing these forms I'll stick to e-signature rather than digital.  Do I use a different form field for those or does the recipient plug that in from the Sign section in Reader?
Anne at goatnpt