In response to the sail panels question, allow me to settle the issue. The car DOES have sail panels, but they are covered by the top. The smooth black flap that you see that resembles sail panels is in fact part of the ragtop install, but beneath the flaps are the stock sail panels, with little bumps and all (I had no idea what you guys were talking about at first until I peeked under the corner of one of those flaps).
The top came with a 3 year warranty (which expires May '03), so fixing the top is my main plan.
I would think that removing the top would be easy if I take it to the place that put it on, but I would most likely need the roof repainted, so I'm thinking $350-500 to take of the top. But I like it. In my opinion it makes the car look distinctive.