1. I've got myself a Lukey system (2.5" stainless steel exhaust, Lukey muffler, and Lukey Extractors) and I rekon it sounds good. Goes much better, and cost me $500 including fitting.
About the insurance, im not really sure. Maybe someone ese will know.
2. I ended up chopping my stock springs in half, since I could not buy a set of springs low enough to satisfy me. Its pretty bouncy and im gonna have to buy some shorter shockies as they only have about 1 cm of movement in them before they bottom out.
The other set of proper Lovell low springs which I bought set me back about $120 a pair (not including fitting). They are a nice ride height, and they are just low enough for every day driving.. it doesnt scrape much and the comfort is better than the chopped ones.
Its also good to check the shockies condition at the same time. After 14 years the shockies arent in the best condition, and a pair is under $100.
With a workshop manual and a mate, you should be able to change the rear stuff no problems. The fronts a bit trickier, but shouldnt be a problem for someone mechanically inclined.
3. Im not real sure about the respray price. I suppose it would vary a bit? About the blueprint on the XF, ive never seen it before.. it may actually look real cool hey. When I get some spare time i'll try knock up a photoshop of it :)
Xtreme 275.6 rwkw, 12.93 sec quater, Phoon CAI, Siemens Injectors, StealthFX BOV with XBOX