Dr. Ray,
First of all, if you would share your first name, it will make it more comfortable for us to communicate with you. Of course, you could just say "you can call me Ray, or you can call me...". But I digress.
One of the nice things about AC is that you can begin to use it in stages. Others have described this in posts before; just ask if you want specifics. The reason I bring this up now is that I would suggest that you postpone the decision about MU for now. Learn about the basics of the program and pay NO attention to the MU aspects. If you decide that you want to go after the incentive, you can get your 90 days in at the end of the year.
There is a lot of anti-MU sentiment here, and I fully understand it... but I wouldn't rule it out at this stage. Just my suggestion.
