B: The following quote from Germer really helped clarify something for me.
Pearls of Wisdom, p. 308
The main thing to understand is that an HGA is (1) not the "Higher Self" but a separate individuality from one's self; (2) that it is a Being operating on higher planes. AC wrote me that he had (or is this in one of the 'Letters'?) analyzed this point time and time again and always found that the HGA's interference was outside his own individuality.
[a little later, he quotes a letter to him from Crowley]
"The HGA is an individual, just as you and I are. But he lives in 4 dimensions, just as we do in 3 - a very rough summary. He belongs to a different order of Nature. Don't confuse with the 'Higher Self' & such, which are merely part of one's own being."
This was very interesting to me as it provides more context for Crowley's saying that the HGA is not the "Higher Self." When Crowley and Germer use the term "Higher Self," they are specifically referring to it in the context of it meaning something that is inherent to a person's "individuality." By contrast, I almost always use the term "Higher Self" to express something that specifically transcends the individuality.
The same is true when he says, ". . . which are merely part of one's own being." When I think in terms of the "parts of my own being," I'm almost always thinking in terms of "being" that transcends, but includes, my individuality.
This explains a lot for me in terms of the confusion of words about all of this. It's a different mindset, a different use of the words than I am accustomed to using.