Efficiency is a myth? It's a measured thing, like gravity or temperature.
Willie, the reason you're having trouble is you need to think in two different modes, one is mash/lauter and the other is brewhouse. If you're working with preboil wort, all calculations have to be done with a measured preboil volume. In your calculation above, you were figuring out brewhouse by using the finished volume of 5.5 gallons.
If you want to figure for preboil, you have to use the higher volume (7gallons in your calculations).
Pale Malt = 38 ppg x #s used (6) / 7gal = ~32.5 points
Crystal 10 = 34 ppg x #'s used (1) / 7gal = ~4.8 points
Carapils = 32 ppg x #'s used (1) / 7gal = ~4.5 points
That's a total of 41.8 points measured at 7 gallons preboil at 100% extract.
My only other point to make is that you shouldn't sparge based on a fixed water/grain ratio. Sparge to reach the desired preboil volume. If you have to measure your first runnings to find out what that volume of sparge water needs to be, do it.