Time to eat some crow. Turns out, I wasn't as diligent as I thought, early on in the in the story line. With just a little visual comparison between my zoomed-in game map and
Moomanibe's map (the first one in the list), I was able to discover nearly a dozen small pockets I had missed in the Ascalon area.
Together with the small bits you can get from the Yak's and Ascalon arena holding pens, it added up to .6% which took me to 100%. (following most of the advice in the
GMC thread took me from 98.5 to 99.4).
I have no doubt that I've got other small spots I missed across the continent, which leads me to agree that there must be more than a total of 100% out there to cover, which provides some nice wiggle room.
It's nice to see that a low-tech approach was all that was required to get this done. Good luck to the rest of you!