I thank you all for your responses. I gather now that weight isn't as big a factor as aerodynamics. The weight of wheels is most critical with hills and acceleration, not maintaining speed. That is probably also true for both heavy rider/light bike or light rider/heavy bike. I am thinking my takeaway is a pound or so on the bike or on me doesn't matter unless my ride is stop and go or a lot of climbing.
Your summary of all the above comments is wrong.
Weight is a big factor when climbing. And since wheel weight is a fraction of body weight, the latter is where all the concern is. When climbing, a heavy person has to overcome gravity. When racing on the flats, a heavy person has to overcome aero drag. But because human shape can be approximated as a cylinder, things aren't all that obvious. Lets assume a person is heavier because they are a bodybuilder and has plenty of muscle. Because we are cylinders our muscle ratio increases by the radius of your torso squared. V= πrsquared times height. But, at the same time, the frontal area (whichcauses aero drag) only increases by a factor of one. In other words, someone strong with a frontal area of 2, has a muscle volume of 4. But a weakling with a frontal area of 1, only has a muscle volume of 1. You can see that the bodybuilder will kill the weakling on the flats where they only have to overcome aero drag.
However, on the climbs, the weakling only has to drag a weight of 1 up the hill whilst Arnoldonabike has to drag 4 up the hill. Here the weakling excels.
Important to note that wheel weight is a tiny, tiny, tiny fraction of that overall weight that has to be dragged up the hill and therefore makes NO SIGNIFICANT difference. Same for accelleration. The entire unit of man-and-machine has to be accellerated, not just the wheel, so a heavier wheel is again, insignificant.
The weight of wheels is most critical with hills and acceleration, not maintaining speed. That is probably also true for both heavy rider/light bike or light rider/heavy bike. I am thinking my takeaway is a pound or so on the bike or on me doesn't matter unless my ride is stop and go or a lot of climbing. To really get to the original issue I probably would have to add some weigh to one of my bikes, see how fast I could go for a given ride, take the weight off off the bike and stuff my pockets or put it in a pack and time that ride too. If a pound or so isn't really important a lot of money is being spent paring down the weight. I have always noticed my riding slows down in the winter. Perhaps the extra pounds of clothing aren't as critical as my larger size, due to clothing, and the fact cold air is significantly denser than warm air.
I've armed you with the method of calculating whether your statements above are true or not. No need to fiddle with inaccurate experiments where you can't control the variables.
