For whatever it's worth, I think that critiqueing theories is precisely the point of this place. Not everyone sees things from the same perspective, and I owe it to you just as you owe it to me, due to our mutual interest in solving a murder, to give you my honest perspective on your theory, and vice versa.
My past dozen or so posts have been a combination of both critiqueing others' theories while postulating my own.
I've posted my thesis a few times, but it's a boring one, by comparison... I'll state it in its entirety:
I think the driver of the Altima is our SP, and I think he acted alone (and I think it's a he).
I think he was out on a mission to do some mischief, be it a break in or some other crime of opportunity. He was prepared for video cameras, and confident enough in his disguise that he couldn't be identified. I think he pulled into the SWFA parking lot with headlights off to prevent any other cars on the highway from knowing he did so. I think when he pulled around the far side of the SWFA and turned his lights off again, it's because he saw the headlights of another car coming up or down the highway. I think it's possible he was considering breaking into the SWFA, but decided against it. I think he waited until the coast was clear on 287 Northbound (not caring about southbound) so he could head back that way and pull into the church lot without being seen.
I think he broke into the church, and I think it took him a while to do so (maybe taking time to get dressed up beforehand, thus killing some time between 2 AM and 3 AM). I think the casual nature of his actions, and the implicit lack of a firearm, indicates he was there to cause mischief, maybe steal something, maybe just get off on pretending to be a cat burglar. I think that his stature, gait, and actions show no signs of professionalism at all. I believe he was not expecting company, and that MB confronted him, and in an act of desperation, he killed her with his hammer to avoid being caught at the scene. I also think he left immediately the same way he came in, fleeing in his vehicle.
If there were no CG class that day, and MB was never there, this would have been a simple break-in, and the video cameras at the SWFA probably never would have even been reviewed. If this were a murder-for-hire made to look like a burglary, and a professional job, at that, I would think that our SP would have looked a lot more like your typical burglar, hooded sweatshirt, mask with eye holes, etc. Anyone doing this professionally would probably have known that a person dressed in swat gear murdering a woman with a hammer in a church would make national headlines.
I think there's no good reason to believe killing MB was a financial decision, and I think there's no good reason to believe that family had anything to do with it, and LE, at least on the surface, outspokenly agrees.
I invite you to poke holes in my theory, because that's what this is all about. The last thing I want you to do is go on letting me believe what I believe, I would rather you convince me otherwise, because that's how people come to agreement.