Personal experience re: electrics problems: none. Owned 96 Mystique from new to 2.5 years / 46k miles. Way too many problems, but none electrical. PW/PL/etc. all worked consistently and strong when I sold it.
Bought 95 Contour SE 18 months ago. PW/PL/moonroof/etc. all still work fine.
People seem to be here because they enjoy each other's company. Plus, the Contour is that rare car which actually excites its owners. Unfortunately for most of the public, they don't know this. And unfortunately for you, a 4-cyl automatic is probably the least fun Contour imaginable!