Ken, read my LONG post 'MISPLACED PRIORITIES IN SURVIVAL EQUIPMENT' posted around 7/22. I said essentially what you have said and mentioned MAPTOOLS.COM.

I do have the grid. I'll share a tip I read about the UTM grid. If you have a map that is not gridded but has the blue ticks on the borders, fold the map and use the edge to line up with the grid marks. Mark it and then fold over the left or right side and you can arrive at the proper grid. Even without a plastic grid tool, this will put you pretty close to your actual location. At worst, you will know you are within a block 1000 meters square. Thanks for your comments.

Boone