Anyone who says, "you must send the SF97" is wrong! Go ahead if you want to waste $45 and take a month to get a title.
Got mine titled for $15 in Michigan. All I brought was a filled-out "Ownership Certification" (TR-205, NOT TR-54!!!), printout of the auction from the website (so they can link the VIN to the Lot# on the invoice) and the invoice I received when I picked it up. Tell them you need a title issued and they will give the 17 digit VIN to Lansing and you're good to go. I didn't even have to bring them the truck!
Be nice to the SOS lady and overwhelm them with paperwork. First lady I got was (something that rhymes with my name), second attempt, I brought a copy of the auction from the website, and the lady didn't even care about it. Just be friendly and she had to run something with Lansing to make sure it wasn't stolen, fifteen minutes later, they had the title in the mail.
Forget $60 and waiting a month!