I did find out (from someone other than Ford) that changing the antenna out is Just the antenna and a piece of like coax (I'm sure its Not coax, but something like it) about a foot or two long,, so it doesn't involve running new cable all the way back to the radio ... so I don't need to pull the panel for the radio, at this point at least.
I've been told that GM had issues where the antenna would get water into it and eventually corrode and that they needed to be replaced.
Haven't see anything like that on Fords as of yet though.