1. A programmable capacitor array comprising: a plurality of user-selectable capacitors, each of the plurality of user-selectable capacitors being coupled in series with an associated user-controlled switch, and each of the plurality of user-selectable capacitors and associated user-controlled switches being coupled in parallel with each other of the plurality of user-selectable capacitors and associated user-controlled switches, wherein at least one of the user-selectable capacitors includes: at least one trim capacitor coupled in series with a manufacturer-controlled switch; and at least one fixed capacitor coupled in parallel with the at least one trim capacitor and the manufacturer-controlled switch.