Well, I left the receiver both on/off for lengthy periods of time over the past two days and still no upgrade. I called Samsung again and clarified that I also need to be able to SEE preview channels on channel 100, not just receive a sat signal, to get the upgrade (ie. need a P4 or P5 card).
Looks like I'm out of luck...
OTA HD setup: Harmony 659, Sony LCD GWII 60", Samsung SIR-TS160, CM 4228, CM 7775, CM 9521A