Bob,
I really enjoyed Part 1 of your story and am eagerly waiting for the rest. Just a few comments:
1. I think Royson should include it in the Club Newsletter.
2. Like you've found out, if the employer set up the 401(k) program correctly, you can withdraw from it without penalty if you're at least 55 yrs old at the time of employment separation.
3. I have a Special Issuance medical too, so I know the hoops you had to jump through. Good to hear you made it.