Cake happy - while experimenting with grocery store quality chocolate you may want to look at the ingredient list on the back of the bag. I find that some chocolates (nestle's white chocolate - for example) is made with palm kernel oil instead of cocoa butter (cheaper for manufacturers). Bakers chocolate uses cocoa butter....try that. I agree on the tempering response too!
Leave the morsels for the choc chip cookies bake sales and the bark stuff well... leave it at the store.
Always remember, the better the chocolate the better the output.
When you are ready for the "good stuff" try these guys:
hint: Valrhona is a good one