Michael,
I was reading some Taoist information yesterday, that brought me back to your question about behind below the navel... There was a term that came up alot, in reference to specific energy points being discussed. It was 'gateway'. Picking an outside point, like the navel, or three or four fingers below the navel, is perhaps referring to gateways that one can 'go in' to then locate the lower dan tien. The dan tien may be realized, or felt, in the same place. The gateway through which one goes may be one , or the other. Also, if I am feeling the lower dan tien, it "has location", as how I feel it. When I am feeling it or focused on it, those reference points seem irrelevant, and not part of that realization, as I am 'inside' feeling the lower dan tien, those points are on the outside somewhere.
I am curious about your statement that you don't visualize very well. Perhaps you do, but you don't recognize it as that, or trust it as that. It can be very subtle. Visualizing something is not necessarily like a strong vision of something. If you are 'remembering' an event, or a person's face, recalling a trip you took, etc.,,,something happens in your mind/thoughts. I am sure you can do that.. It is a subtle vision of these things. That is the same viewer you use to see that energy pill,etc.. As you constantly revisit the experience, your inner vision gives you impressions, or ideas, about that image. It might not be clear. Almost like suggestions, or a small glimpse of something. The impression may be very easy for you to overlook in its subtlety, or first impression. One may think of an image that comes to mind as self created, not what is actually there to see. I have often experienced affirmations of that image "I thought of", as actually being correct, and really existing, the way I first perceived it as a subtle impression.