At last, success!! Thanks to a neighbor who has some spare time and a lot of ingenuity, my Tracker is once again safe. We removed the ignition lock by Dremeling off part of the arch over the lock mechanism so we wouldn't have to remove the steering wheel. Then my crafty neighbor removed the tumblers, cleaned the mechanism, and reassembled everything. It ended up being a stuck tumbler in the keyway, BTW. Reassembly was a snap, except for a trip to the hardware store for two hex key-headed bolts to secure the lock mechanism to the column. Thanks to all for the support, thoughts and ideas; you guys are the best...
P.S. Anyone else in a similar predicament is welcome to IM me with questions, too