Gentlemen,
THANK YOU SO much for the responses. I'm rather overwhelmed, 1) by the responses, and 2) the kit recommendations.
What I gather is:
DML 6188 M4A2 76W Soviet Lend Lease
DML M4A1 76
DML M4A2
Tamiya M4 Early
Tamiya M4A3 105mm
Robin, 1/48 is too small for my failing eyes and shaky hands

And it would take MANY weekends with my work and school schedule.....heck, any of them will take me MUCH time. With that, I've seen some of the 1/48 during the kit builds at the LHS, and they ARE really neat!!!!!!!!!!!!!!!!!!
Chad, I would prefer the kit WITHOUT indy's. Rubber-band is fine by me.
I merely/just want to build a Shermie. No bells, no whistles, just a good kit that will be FUN to build and won't stress me. 'Nuff stressors right now...
Bob, I checked out the link.............VERY helpful. Thank you!!
So...........I'll look for a Tamiya 'cause of the rubberbands. Is this correct???? I have time....this is not a rush for me.
Again, gents, THANK YOU!!!!!!!
Sincerely!! Mike (++) (++)