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My concern was the envelope came with one of two mailing labels, depending on if I owed tax or was owed a refund. So let's say I finish my taxes tonight; to whom do I mail it?

All of the mailing addresses are in the instructions. It means a little extra work for you because you have to find the correct address out of a table.

My concern about the address sticker on the 1040 form is that with my common name, I presumed the pre-printed label has information encoded on it to make sure the IRS computers know it's really me.

It's been a while since I've seen a label, but I believe the only information on the preprinted label is your name(s), address, and SSN(s).

I guess this will be the year I quit fooling around and file my taxes online?

That's your call.

Ira
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