Awesome summary Godzilla! Anyone thinking the jihadis are finished tweaking our air travel industry into bankruptcy and our nation's citizens into total paranoia of flying is out of touch with reality IMHO. How many motels at airports have rooftops fairly easily accessible for just such a scenario? With almost constant construction work at our nation's airports, a covered missile wouldn't be that noticeable.
The small surface to air (SAM) scenario is one that has our gov't terror analysts sweating bullets IMHO. There are hundreds if not thousands of SA-7, 13, Singers and Redeye shoulder launched SAMs unaccounted for. Terrorists have had limited success in Iraq with them as well as some have been shot a commercial aircraft in Africa (where I don't remember). And you are correct, the number of places that are accessable to use these little buggers is almost unlimited.