DRL's are a big no no in my mind... very tacky... but each to there own...
I had a euro'd polo for my first car, insurance was sky high (£2996 to be precise....)
you'd be suprised about the mods adding to your premium tho, I declared alloys, coilovers, uprated brakes and smoothed bumpers to my first policy and it only went up by about £60, (elephant insurance)
So the exhaust could happen for you afterall lol....
ANYWAY the point of my reply was to let you know that i may well be selling my FR alloys in the near future - I see you fancied some...