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So I guess it's a matter of pulling the panel off from the inside to get to the locking mechanism?

That's correct.

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I don't see any screws, but there were two small plastic "snap locks/pins (?)" I removed.
I've given it a good pull or two and can't get anything to break loose. I'm afraid I'm going to break the panel.

There are probably some screws in the inside latch mechanism like there are in the other doors. If all else, there may be a montero sport factory service manual on www.mitsubishilinks.com that you can download.
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Off Roader
98 Montero with the Winter Package
89 Montero minty clean and reserved for overlanding trips or Cars and Coffee events
96SR (3.15:1 xcase, 35's) gone to the rust gods
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