thanks for the response!
the truck is at a body shop and i have the insurance quote on my lap. The quote, of course, is nuts ($6.7k). i have not authorized the work. There's no mention of frame horns in the quote. the quote is all front bumper, grill, front lights, rad support, "horn high note," hood lock (the hood's not damaged), fenders (both are a little crinkled but do not actually need replacement). the quote is much more detailed, of course.
Currently, i'm trying to get a hold of somebody at my insurance that can give me some details about how my bottomline will change (i.e. surcharge and schedule, loss of good drive discount, accident foregiveness, etc.). i'm trying to make an informed decision with a goal of saving some $$ but having a safe and functional front end.
my research and brief query on ih8mud seems to lead me believing that an aftermarket bumper (e.g. arb) may have prevented the damage to the grill and lights. of course, ih8mud folks (and tgr folks) are biased

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