Thank you all for sound advice, indeed!
Reno3, your experience w/ the shell games of the dealer and EW adjusters and being forced to frustratingly try and negotiate an ethical solution says it all. In the end, no one can purchase fairness and no one can force another to act in Quality.
I guess EW contracts appeal to us as there is something in most of us seeking a security shield through life. I am reminded of the Louisiana state flag emblem, where the mother pelican pricks her own chest to bring forth blood to feed her brood. I suspect the folks in the lower 9th ward of N.O. who have placed such faith in the state may have a more informed notion on such thinking.
I will very probably not do the EW.