Patriarch -

I agree, the issue isn't cost... It's time and effort... If I could run a
single 12/3 and get two circuits, it would save another run... But after
reading all of these posts, I've taken the 12/3 back and will play it safer
and have two complete separate runs for 20a circuits using 12/2 and GFCI's
with other outlets connected "downstream"

Believe me... I haven't skimped on ANYTHING with this project - ask my
wallet!

John