re: My Whole Life Ins. situation and advice request

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If someone wants permanent insurance, UL is exponentially better than whole life

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That would be true if UL was actually permanent. Whole life is more permanent than UL.

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If someone wants temporary insurance with a return of premium, it is exponentially better than whole life

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The only way a UL turns into a temporary insurance policy is by not continuously increasing the premium payments so that you can "keep up" with the increasing costs associated with it. Which, if they do indeed always pay the same amount of premium and it cancels (becomes a temporary policy ), there is absolutely no return of premium associated with it because all the cash value was eaten up by the difference between what the customer paid and what they should have paid.

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Whole life is if you want permanent insurance and access to the cash value without jeopardizing the permanent insurance

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If you buy a whole life policy so that you can access the cash value one day in the future, you are indeed jeopardizing the permanent nature of the policy. Only way you don't is if you actually do pay back all the loan balance and associated interest. As long as a whole life policy has a loan balance, the permanency of the policy is jeopardized.