In my tests I tried a round with a third settings section, but I ended up disliking it.

I tried to re-think this along simple = better lines. Now the override key option only appears when the second password setting is selected. Also, I dropped the third button and the lengthy explanations. Give her a kick in the tires, and let me know if you like this approach. I think I do, but, again, I'm very happy to defer to you guys here.