“I’ll bite.” Hahahah. What’s to bite? 
We are not eligible for federal or state aid, and no, I have not done the calculator; I have not found them to be a final word, nor to be relied upon for final decisions. They’re great for knowing if they’re in the ballpark, but my son has been offered unexpected merit aid at some schools, and we surely don’t want to rule out our in-state school based on a calculator. Further, it could be out of ideal budget, but doable with a loan, but my son needs to know all his options in order to make a wise decision.
And really, it is a reasonable expectation to have financial aid awards - in writing, from the school - before committing, wouldn’t you say?