"Ja, da wären Sie gut beraten."
Modern linguists recognize several passive forms in the German language. The one you're referring to is now known as “dynamic passive” (‘Vorgangspassiv’ oder ‘werden-Passiv’). In contrast, the sentence without ‘worden’ is an example of “static passive” (‘Zustandspassiv’, auch ‘Stativ’ oder ‘sein-Passiv’).
@Andreas: OK. I see. That's certainly a valid way to think about it. And apparently you're also right in that it seems to be the standard way to look at it, nowadays. Thus our contrasting views on the matter simply seem to be a matter of terminology. There are two distinct forms we have to distinguish. Whether we call them dynamic/static passive or view one of them as passive and parse the other as a predicate adjective is just a question of terminology. But I agree that we should stick to the majority view. So in future I'll follow the dynamic/static distinction. Thanks for the update.
Yes, that's a valid way of parsing the sentence. (I personally prefer to look at 'gut beraten sein' as one big phrasal verb). EDIT: But on the other hand, you can make constructions like 'schlecht beraten sein', 'besser beraten sein' and 'besser gestellt sein'. So, there are good arguments to parse it your way.
Yes, I like your way better. I also tried parsing it as passive-past-conditional something, but I wasn't sure that was right and anyway got way over my head..
Thank you for your patience and the explanation. I think I got it now. [Pounding forehead to make sure explanation sticks this time.]