Additional info:
I can do anything I want to the title bars as long as I do not touch the pixels that make up the original frame borders. If I make any changes to the border pixels, blur stops working for the whole caption area. Similar restrictions apply to the left, right, and bottom frame parts.
Edit:
The "blur rounded edge value," which isn't very well documented, controls the curvature of the underlying aero window frame that does the blurring..
Well that only took a few hours to figure out...even though one of the devs could have simply written it in the GUI...
Edit 2:
More information found! Re: the "magic third row," it turns out that a line of special pixels (on the outside edge of each frame side) is needed. The pixel's color code needs a V value (in the HSV color space?) of 1 or higher. Otherwise there won't be any Aero border dimensions and the blur effect won't be drawn.
I wanted black (HSV x,0,0), but the next closest color (HSV x,0,1) will work just as well. That's RGB (2,2,2) by the way.