@Nikon Photographer, Thanks for explaining it better than I did.
I think the point I was trying to make was that any of the in-camera settings (White Balance, etc) are only applied if you save to JPEG. If you save the image to RAW, you get just that, an image that has next to no in camera processing. As Nikon Photographer said, consider it a digital negative that needs to be processed. While you can do some editing to a JPEG (I use Lightroom), to get the most from post procesing, you really need to be working with he RAW file. I really believe that in order to get the best possible image, some PP is necessary.