Thanks for the input. Sorry I didn't quite understand that the shiny dark grey cladding was a painted finish; I figured it was only the 'painted body colored cladding' that had the paint on it. In this particular case pricing wouldn't be in issue as seems I just got a quote (a few minutes ago in fact) for a 2006 XLT 4x2 with moonroof and sport/appearance package for much less than a quote I received earlier this week for same unit but without the sport package. Just have to decide ASAP if, in fact, I can live with those step bars that I envision being more of a personal hazard than anything else; my personal preference for cladding finish keeps changing every time I see any vehicle with cladding. (Oh and yes, I realize I can just have the step bars removed if I really don't care to have them there).
Again, I really have learned lots on this site, keep it up. Thanks for everyone who spends the time to respond to the various postings, I know that you've helped me quite a bit.