Dealing with MSSQL data types

Oracle 12.1.0.2 Std. Ed TWO

This probably falls in the cracks between several forum subjects, but ya gotta pick one.

Created db link to an MSSQL database, using OTG for ODBC.  Link itself works just fine, but there are some data type conversion issues, I've never had to deal with.  This particular MSSQL database uses NVARCHAR(MAX) exclusively, for all character data usage.  It does use number or date/time types when appropriate.  (FWIW, my coworker who is the MSSQL DBA says its the worst designed db he's ever seen, and this huge use of NVARCHAR(MAX) is one reason.)

So, with no further ado, here's what we get, and am looking for any insights into how to deal with it.  References I've seen indicate that NVARCHAR(MAX) maps to oracle LONG, hence the definition of my test table.  Keep in mind that some usages may not involve loading a local table, but simply selecting to a report.