I agree with your points, but I would rather hear Jim all day long than the other folks who "defend" the board from anything negative.
It is better to candidly discuss the company's performance, problems, future, etc. than to pretend there are no problems and attack all those with neutral/negative comments. For example: Stil's predictable response to any employee that complains about company policies, problems, etc. "Don't let the door hit you in the ass, you aren't a high performer, and there are lines of people waiting for your job." Too funny (and pathetic).
Despite the problems, I agree with the poster before you. BB&T appears to be a "buy" here. The numbers (EPS, Div Yield, etc.) will drive it higher over the next few years if the bank remains independent. If not, we will get an even better return (at least in the short-term).