I've been negligent in following up on this. I did get the Concept2 D with PM4. Absolutely rock solid, well built and love it. Set up was pretty easy. If you can't do the set up, you shouldn't be allowed to use the rower anyway. At least not without supervision.
I did get the iPhone accessory kit so I don't have to use the smart card. I haven't fully explored all that the PM4 will do, but it does do quite a bit and I really like that you recharge the battery by rowing! Heart monitor too. You do need to make sure the chest strap sensors are wet. Not moist, but wet. That's more of a Garmin issue that Concept2 issue though.
Customer service was great too. I placed a couple calls to them ahead of time to make sure I was getting what I really wanted. They pretty much talked me out of the E model. Also found out that they sell reconditioned ones for a bit cheaper but you have to pick them up (good deal for New Englanders - they aren't far from Stowe) and they also offer an Active Duty/Veterans discount. I took advantage of the Veteran's discount so I ended up saving $242 all together or made the shipping and iPhone attachment free. They were very helpful, answered all questions and put me well at ease.
I hate to admit it, but I wish I had ordered the seat pad. I'm sure my butt will "toughen" up like it did cycling, but it's only $3.50. Around 15-20 minutes in to a workout, you start noticing you don't have a pad. My wife's only complaint is it is a little rough on the hands. She and my daughter wear fingerless padded cycling gloves and all is good. The pull handle is a bit thick and they felt a callus starting to form. No different from lifting weights or the like.
Anyone considering getting a rower, Concept2 is definitely well built and worth. I'm very happy with the purchase. Have been using it for over a month.