Previously we have shown how measurements of static magnetic susceptibility χc(T) of YBa2Cu3O6+x single crystals for magnetic fields applied along the c-axis, and χab(T) for fields in the ab-plane, can give useful information about their thermodynamic properties which are still being hotly debated. SQUID magnetometry above the superconducting (s/c) transition temperature Tc is used for larger crystals, while piezolever torque magnetometry gives χc(T)-χab(T) for tiny crystals. Here we present new data for more heavily under-doped crystals with hole concentrations per CuO2 plane, p =0.058 to 0.073. We again find that the T-dependent anisotropy well above Tc arises from the pseudogap and the g-factor anisotropy, while at lower T there are Gaussian s/c fluctuations with a strong cut-off. This is possibly a different region where neutron scattering studies give evidence for competition between incommensurate magnetic short-range order and superconductivity. We have studied crystals with three values of x, measuring χc(T) and χab(T) immediately after fixing x by quenching on to a copper block and again after allowing sufficient time at room temperature for the Cu-O chains to order. Thus, we report data for three pairs of underdoped (UD) crystals with Tc ranging from 13 to 36 K, namely UD13 and UD20, UD15 and UD30, UD23 and UD36. As found previously for polycrystalline samples, ordering the Cu-O chains increases Tc and substantially reduces the Curie term. These are isotropic, in contrast to the Pauli-like susceptibility from the CuO2 planes where there is g factor anisotropy, and this allows us to make a powerful novel analysis. At higher T, χc(T)- χab(T) varies as a + bT where the bT term arises from the pseudogap. At lower T, deviations from this behaviour are analysed in terms of 2D or 3D Gaussian s/c fluctuations to obtain in-plane coherence lengths and upper critical fields as T→0.