Looks like I solved most of my electronics questions, and I won't have to replace the stock stereo just yet. Couple of hours of research, and I found this:
It connects to all your gadgets via bluetooth, and puts the sound into the system via FM transmitter. Even has an onboard mic for hands-free with the cellphone. Not bad for $40.

Self-insuring is great advice. I think I'll probably go that route, unless there is a flood of comments on the thread here with lots of expensive repairs that folks have had to do, heh. That's good advice.

Thanks for your responses, gents. :-)

Ans PNA, I'm unfortunately on the Virginia side of DC, plus I don't drink. Plus I have a Japanese exchange student with us this month, so all our Saturdays are booked. I might catch one down the road at some point, thanks for the invite though, for sure.