Well, looks like they're giving me $15,250 for the truck...it's offically totaled. $13,300 damage which doesn't include the damage to the tranny and transfer case. I've got a rental for one more week. I just put money down on a Honda Pilot, so looks like I'll be leaving the Explorer forum. Good luck to all.
PS, I've got a few items in the classified section: set of like new floor mats, blank fog light plates and a steeringwheel harness/cruise buttons.