To add to Grog's answer; not only can you check with the locals here on RR, there are a great many Yahoo (and likely others) based scanning mailing lists, many of which have programming files that their members can download. Too, these days there are several scanner-based mailing lists (for example, there's at least one - maybe more - for the BCD396), and sometimes even software based lists (such as the one for BCTool).
Sometimes frequencies change often, other times not. Use the database and the various forums along with the Yahoo based groups to become familiar with the radio scene in your area. You say you've been in scanning for 20 years - just how well do you know your area?
Hopefully you are running 98SE - the original 98 had many stability and other issues. If so, you do have a few choices in software, depending on what scanner you decide upon. Our Wiki (in the blue toolbar above, click 'wiki') has articles (wiki speak for pages) on each of the popular scanners, and software as well. For example, ProScan for the Unidens lists 98SE compatibility, as does Scan Control. And I think Don Starr's programs (for the RS PRO series) will also run on 98SE.
Doing your homework ahead of time will save you grief later. Yes, the digital scanners have more of a learning curve, but like any hobby, the more time you put into learning it, the more you are likely to get out of it. Rebanding is proceeding at a snail's pace; it is something to consider, to be sure, but it's not going to happen overnight. At least some of the issues with the digitals turns out to be user error - again, it comes down to learning your equipment. At least in the case of the Uniden and RS digitals, we have Wiki articles that can help.
Research!! 73 Mike