Thanks again for all the info and help. Much appreciated.
On the PCO, my folks have gotten one the last couple years, too, and it varied which vehicles it applied to and how much. They have only owned Fords and Lincolns since the '80's, and frankly they are overdue. She has a very low mile '09 Town Car (less than 60k miles, I believe), and he has an '09 F-150 with 160k miles or so on it. Both are in their 80's, with him turning 90 near the end of this month, and they seem content with what they have.