STILL waiting on my official settlement from USAA but they're treating me well tbh. They were basically right on market with good comps the first go around to net out ~28k on the car, refunding my sales tax ~2k and then the gap insurance I paid +6k.
During this process they told me they actually also cover/reimburse aftermarket parts up to a certain limit, as well as major maintenance done within the last year. I submitted a whole stack of receipts from the costs I incurred and should hear back from them within the next few days.
In the meantime....
'04 with 54k miles and a really solid base for further modification. I'll break it down into the upcoming posts as there's some stuff to sort out and fix, but overall it's a MUCH better base. Body is a 9/10 with the most minor imperfections, interior is probably a 9.5/10.