I'm an android noob but experienced linux user, so I came up with my own free solution: download a terminal emulator app (the one i got was free, and called, simply, Terminal Emulator, I think).
Then (in the terminal emulator):
Copy the settings.db file to the SD card:
To get superuser access so you can get to the settings.db file (need a rooted phone, obv):
And confirm the popup allowing access.
#busybox cp /dbdata/databases/com.android.providers.settings/settings.db /sdcard/settings.db
Then hook up your phone via USB (mass storage method) and use your window manager to copy that from the phone to the computer, edit with an SQL database browser, save it, verify it's still good, move it back to the SD card, then, back on the phone in the terminal emulator:
To get superuser access again:
Shouldn't have to confirm the popup allowing access again, as the first time appears to do it.
Move the original file to a backup name (just to be safe):
#busybox mv /dbdata/databases/com.android.providers.settings/settings.db /dbdata/databases/com.android.providers.settings/settings.db.old
Copy the new (edited) file into place:
#busybox cp /sdcard/settings.db /dbdata/databases/com.android.providers.settings/settings.db
Then reboot, and enjoy the ability to install non-market apps. My first install was Flash 10.1. Works fine on the Captivate.