Didn't get any feedback on this.  But, I went ahead and tackled the
project myself.  Apparently, the 1995-99 Explorer is a different design
which requires removing the instrument panel to get to the heater.  It
took me 12 hours from start to finish, including a couple meal breaks.
The Chilton manual was helpful, but I had to figure most of it out on my
own.  Definitely, not an easy task.  I've replaced the transmission in
my 68 mustang a couple times and it was easier than this.  The bright
side is that I saved about $900 by doing it myself.  The dealership
quoted me $940 over the phone.  I picked up a heater from Kragen for $40.

Byron