Sorry for the delayed update. I live pretty close to Garmin and they have had my unit for a while. The good news is I am not an idiot (was worried there for a while), the bad news is that the unit came with "corrupt data". After and hour on the phone and then an hour plus on site at Garmin with two different techs, they were totally lost. Everything was unlocked, maps were uploaded, waypoints, routes, points of interest all were there, just no map detail beyond the base map. Apparently they cleared its brain of the base software and started from scratch. It works fine now. I never could get a straight answer as to whether or not this was something that was corrupt on the unit when I received it or whether it was corrupted after I received. The veiws seemed to be toward the former.
So, bottom line all works well now, but if anyone reads this and encounters a similar problem, it's beyond what the owner can do.
And those of you wondering where the $400 you paid for your unit went, you should see the enormous new facility Garmin is building - business must be good......
Michael