Bilirubin direct and indirect fluctuate (indirect 1.2, direct 0.1, total 1.3...Another test: indirect 0.43, direct 0.54, total 0.97), lfts normal.

Might be Gilbert's. A relatively large portion of the population has something called gilbert's, which is completely harmless, and causes elevated indirect bilirubin in times of stress or illness. If you are completely healthy and just have an elevated indirect bilirubin from time to time, it is almost certainly gilbert's. Ask your doctor what he/she thinks.