Hi Strider,
The merle gene and the white-factor gene are two very different things. Deja definitely has the merle gene (that's easy to figure out!), and shouldn't be bred to a merle dog. It can be tricker to figure out if a dog is white-factored, but it's safe to say that, if the dog has white going up the stifle and/or white all the way up the foreleg and into the ruff, s/he's white-factored. Sometimes a dog that doesn't have this pattern will produce a CHW - and then you have to assume that both parents were white-factored.
As has been pointed out, there's absolutely nothing wrong with CHWs. They're just as healthy as their siblings. However, if you're trying to produce dogs that will be competitive in the AKC conformation ring, why not avoid CHWs in your litter? (This is why it's generally best to avoid producing sable merles - you risk ending up with a beautiful puppy that isn't showable because of the blue eyes.) It's interesting to note that CHWs are accepted by the Collie AKC Standard.
I had to look up "stifle" to see what you were talking about. Would you say that Meggie is "white factored." I'm confused about this.