I pop into reddit's ufo community from time to time and it's 
the subreddit. If I had a dollar for every guy that pops up and says "oh yeah I know alllll the secrets but oops tee hee can't tell you!" I'd be a rich man.
I think the only real way we're going to get disclosure is through a country like China or Russia.
I like the one user's comment. Experimental USAF craft. All of the symptoms, skin pigmentation/finger-nail loss, etc I would all associate with radiation exposure.
D.O.E has some crazy shit going on, but I genuinely don't believe that we have made contact or have had contact with any actual extraterrestrial intelligence.
If we did, I would bet quite a bit of money on artificial intelligence rather than biological.
Definitely agree regarding the radiation exposure. It's difficult to argue that they didn't encounter something real, physical and exotic. I don't believe faith can turn oneself into a Hiroshima victim. I also doubt that hoaxers would be able to get their hands on nuclear material and be willing to nearly kill themselves with it.
I also agree that there are likely black projects out there with wild shit going on. The plausible explanations (which comport with their record of events) are, IMO, an experimental military craft (as you say) or an NHI craft.
It's curious to me that the military would choose a public highway in Texas to test fly their hardware when they have millions of secluded acres in the Southwest reserved for that very purpose. Another detail somewhat more consistent with the latter explanation is the fact that the craft was accompanied by, at first, nothing, and then minutes later by an overwhelming number of conventional military aircraft. That's how airspace intruders are greeted.
Frankly, the real reason I even entertain the more extraordinary NHI explanation has little to do with those two circumstantial details; it's the preponderance of so many other cases like the Travis Walton incident, the Lonnie Zamora incident, the Betty and Barney Hill case, testimony from Mercury and Apollo astronauts Gordon Cooper and Edgar Mitchel, and especially the mass sightings, like the one that happened in Zimbabwe in 1994 in which sixty children from the Ariel school reported seeing the same beings and still stick to their story thirty years later.
Edit: As well as the leaked and FOIA'd government documents (best compiled by Richard Dolan). And also the sightings which preceded the founding of the United States.