Are you running your recipes through a lye calculator
like SoapCalc? It will give you a number value for different qualities of your soap, such as hardness, conditioning, etc.
FCO is a different beast all together than the Coconut Oil 76* variety (and much more $$). I would nix the FCO in favor of Coconut 76* if I were you. I think that would help a lot.
In recipe #1, with about 85% soft oils - mostly Olive, and only 15% hard butters...it's going to take a while to firm up, especially with full 38% water. It's within "normal" range for hardness, but on the very low end. Just leave it to cure for a while longer and see if that helps. The longer Olive Oil based soap cures, the harder it gets.
In recipe #2, I'm suprised your soap is soft with a high INS number (higher is usually harder, and yours is a little above normal range).
When you say they are too soft, can you make an indent in them with a little pressure from your finger? Or are we talking cream cheese texture? Very rare for HP to stay so soft, so I think it's either the FCO or a mismeasurement somewhere. Try using a water discount next time and see if that helps...maybe 30% water instead of 38%.