Well, my opinion is that: 1. It is largely a popularity contest and Trump is still insanely popular with his crowd and Biden is not popular in general 2. The Maga crowd will certainly vote, so the Democrats would need to be united and show up to beat that. With any real doubt about Biden, I think a large enough to matter amount of Dems will either not vote or vote for other.
Depends on how complex it is. Ever see the XML behind SharePoint? 🤮