Hi Rick. Not exactly "all around the internet" you make me sound so
cheap and tawdry

I carefully selected the two forums where I
consistently see good advice from top-notch professionals, like yourself.
What I thought I heard and wrote down from the Fender rep was
Polyurethane. If it is indeed Polyester, that's certainly a whole nuther
kettle of fish. I have E-mailed Tacoma/Fender to reconfirm. It is a 2000
model.
Mr. Lewis' advice is usually sound, particularly the "can of worms" in this
case. Once you start, where do you stop?
I've considered sending it to Fender for a total refin, but they're too
backed up with warranty refins, they won't even look at it. Two out of
two local luthiers I've checked with won't even touch the finish. If I go far
enough down the list to find a "luthier" who will take it on, do I really
want them working on it? I may have discovered a local finish expert
(through these archives) to help, if he's still around.
I'm in no rush to do anything, except get the moisture content back
where it should be, so I'm investigating all options. Thanks for any and
all ideas.