It's my understanding that readers in the UK and Canada are more at ease with fewer of the -n't contractions in exposition. (I'd find the AW thread where I read that, but I'm just way too lazy.) If you're writing for American readers, or using a narrative voice that's informal, they're fine. Click "Add to Dictionary" once and they're greenlighted indefinitely.
(I've never figured out how to remove something from the user-created dictionary. Anybody know?)
I don't use Word's grammar checker at all, although I do use the spell-checker before I let anybody see my writing. 99% of what grammar checking found was written that way on purpose. However, if you're prone to certain kinds of typos, I understand it's a godsend. (Catching THe, for instance.)
Maryn, who likes to think all her 'mistakes' are deliberate