Given any minimal ring extension k⊂Lk⊂L of finite fields, several families of examples are constructed of a finite local (commutative unital) ring AA which is not a field, with a (necessarily finite) inert (minimal ring) extension A⊂BA⊂B (so that BB is a separable AA-algebra), such that A⊂BA⊂B is not a Galois extension and the residue field of AA (respectively, BB) is kk (respectively, LL). These results refute an assertion of G. Ganske and McDonald stating that if R⊆SR⊆S are finite local rings such that SS is a separable RR-algebra, then R⊆SR⊆S is a Galois ring extension. We identify the homological error in the published proof of that assertion. Let (A,M)(A,M) be a finite special principal ideal ring (SPIR), but not a field, such that MM has index of nilpotency αα (≥2≥2). Impose the uniform distribution on the (finite) set of (AA-algebra) isomorphism classes of the minimal ring extensions of AA. If 2∈M2∈M (for instance, if A≅ℤ/2αℤ), the probability that a random isomorphism class consists of ramified extensions of A is at least 2/3; if 2∉M (for instance, if A≅ℤ/pαℤ for some odd prime p), the corresponding probability is at least 3/4. Additional applications, examples and historical remarks are given.