Thanks, all, for you assistance in this. I finally received an e-mail late today from Deborah Nelson with the answers, and they are in agreement with your comments, with the normal caveats to protect themselves, of course. To validate how valuable 90 Minds is, I am confident I can get the correct answers here and not bother with Sage, especially since it takes much longer for them to answer.
It's kind of telling that the Product Manager for Sage 100 had to coordinate getting the answers together, because Sage no longer has an appropriate structure remaining in Irvine to field these types of questions. Remember this was pre-sales, and they used to have at least two technical people dedicated to this.