Seatco in Bailey's Crossroads quoted me twice what the other shops did, but they explained that the wooden plank behind the liner/foam is one piece and doesn't come out the windows. The windshield must be removed. (That would explain why the other shops said they would only replace the sagging part and not the entire headliner.)
I swear to God I'm just going to staple the thing up and paint the staples to match! This is getting too complicated (and expensive). I just don't want the car to look its age.