Well I've almost got it..
In the ot_gv.php module, I replaced
PHP Code:
// if we have no GV amount selected, set it to 0
if (!$_POST['cot_gv']) $_SESSION['cot_gv'] = '0.00';
with
PHP Code:
// if we have no GV amount selected, set it to 0
if (!$_POST['cot_gv']) $_SESSION['cot_gv'] = zen_user_has_gv_account($_SESSION['customer_id']);
Now when a customer goes to the checkout page, their balance is automatically applied to their order total.
The customer can still apply (and override) a different amount if they wish, which applies on the confirmation page. However, if they enter '0' (ie to remove the gv deduction all together), it still uses their balance, due to what I've told the code above to do.
I'll keep on working on ideas to have it do what I've got it to do, but allow the customer to remove it completely. If anyone has any ideas, feel free to send em my way