Mac OSX microphone input volume level auto-adjusts - can it be disabled?
Turns out that the auto-adjusting mic level was not MacOS, but rather Skype (Version 6.6.0.467).  There is a check box in Skype Preferences to enable/disable it, and once I turned it off the level stays where I set it.

The problem is that, apparently, Skype's notion of auto adjusting the mic volume is simply to crank it up to max, no matter what -- even when no call is active.  At around 90% the mic starts picking up background noise, probably the Mac disk or fan, and by 100% that background noise is overwhelming.

I found that on my MacBook Pro (c. 2008) the mic level at about 75% was good, and I also found it helpful to check the "Use ambient noise reduction" check box (just below the mic level slider in the System Preferences/Audio).