Thanks for the advice thus far. I'm 90% sure I'm going to keep and fix the car.
To answer the "X" question, they're offering me $6500 and the car or $8700 and no car. The quote for the repairs is at like $6500 right now -- here'* what I'm proposing to take off the estimate:
Rear Bumper, $276 +labor & paint = $553.20
All that is wrong with the rear bumper that we can tell is one of the screws popped off and there are some superficial scuffs that would need to be buffed out.
Door Trim Panel, $559.94
This part looks like it might not even be broken. If it is, I'll find one at the junkyard and install it myself for that price.
Headliner, $406.19 + labor = $532.19
They tore a small hole in the headliner when "throwing the cladding from the rear door into car" For this price I can patch it and live with it.
Front door, $188.40 paint + labor
The want to blend my front door to exactly match the new door paint they're going to put on the back door. My guess is that I won't even notice, and if I do I can always have them do it later.
Wheel, $179 + labor = $191.60
There are some superficial scuffs on this that will probably come right off. If it'* not bent, I'm keeping it for now.
All my tires are Bridgestone RE950'* and were purchased <3 months ago. They have minimal milleage on them (<2k). The tire that was hit would be fine except no one cleared out the wheel well before driving on it. It has some surface damage, but nothing deep. If it looks too bad I'll just go back to Costco and get a single replacement for less than this price.
The sum of these is $2150.33, which I feel should give me some play should there be any unforeseen problems once they get the door off, or with the suspension.