The single, main cat is AFTER both pre-cats and AFTER the downstream O2 sensors. It is impossible for the main cat to trigger the P0420 code. Unless the dealership technician found additionals faults that lead him to that diagnosis, there is nothing that you have said that would indicate a main cat failure.
If they are replacing the main cat due to the P0420 code, their diagnosis is faulty.
Steve
98 Contour SE Sport 2.5 Duratec ATX The wifey's car
89 Taurus SHO - 246K miles
94 SHO ATX - 190K
1997 F-150 5.4L ATX - The Workhorse 150K.
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