Unintentional test: we went away for the weekend, so I vacuumed the pool, brought Chlorine up to 6, covered the pool with our black winter cover, and later turned off the filter before we left.
It's been really hot! The only item I left in the pool was one large tube, to keep the cover tight. Came back today, all is well. No black gook at all. Pool bottom was clean. Chlorine was around 1. Doesn't prove anything, but makes me feel good. I'll keep testing FC overnight, but before we left it was holding. I really think it's lotion of some sort.