geez, use yer eyes!! what does "retarded" look like? - they made any combination of options a person ordered, how it looks is up to you!!
as you've been told, a stepside bed [ALL parts available] will bolt right on, they didn't make a different frame for every model - if you have trouble visualizing what the truck will look like with a step bed, lots of pics of stepsides around, check the gallery
if insurance wants to write it off and will pay a good [fair] dollar, take the money and run, a truck that's had it's frame really bent ain't worth the hassle
Bill