On the "centre of Earth's gravity well" bit: what is the net effect of the fact that
inside a sphere, the net gravitational attraction depends on the
amount,
distance, and
vector of the gravitational mass in question, and that whilst
inside a sphere
at any point beneath its surface the net gravitational attraction varies.
In the case of the Earth, it actually increases to a certain depth, then falls as one approaches the centre (or would if one could; imagine, say, the neutrino version of yourself). My first thought was that the associated time dilation would follow a similar trend, though thinking this through, I'm not certain, though I'm leaning toward your answer above as not being accurate.