I must be thick, because I'm still confused and could use some help.

I, too, have a 12/31 expiring companion cert, which was already extended from spring 2020. My plan was to book a trip for late 2021 (say, November), using the cert for a Comfort Seat. If I change the ticket, will the cert just disappear if it's done after February 28, 2021? Best case, I get to preserve the companion code and pay whatever fare difference is required for the changes. Worst case, I lose the companion code and have the amount credited to my wallet. Is that right?
I know I have to call in to make a Comfort Seat reservation, and it seems as though the phone fee still applies for the regular ticket.
Thanks!