Does this sound correct?
Bought something on TigerDirect.com with Bitcoin - $86.88
Was expected to pay a miner fee by Bitcoin QT. Worked out to $0.05
So I had to pay 5 cents fee on an $87 purchase.
Should we stop saying Bitcoin is free? I mean ...

I know - beating a dead horse, but every time I have to pay, I ask myself why I tell people its free.
Set your computer to mine; run low priority in the background. Download the client and use your own PC to relay the transaction. It's free for those who support the network by mining. Non miners support the network with a small fee. Obviously your power cost is a factor, but it will likely average out for you if you just run a low priority process.
Google how to do it all if you aren't sure. The info is there.
This is very misguided advice. You are assuming that you would mine a block within the next few hours on your CPU which will never ever ever ever happen. If you mine a block using your CPU within the next 100 years at the current difficulty I'd be surprised. If everyone could just include their own transactions and mine the block that has that transaction, then the entire network is vulnerable to double spends and what not...