joshsmum00,
I have been looking for a stock 99/00 model S2 Neo Stagea for a couple of weeks now for reasons pretty much the same with all, practical and powerful. With a family of 2.5 now and possibly another next year, i don't think there's anything else that compares.
From research, a S2 RS4 can be had from dealers between $18k-$20k in Vic and NSW, with 1-3yrs warranty. There are a couple in Syd for $16.5k, private seller, both around the 50,000km mark. Another in Melb with 80+kms has been offered to me at $17k.
I'm currently sorting out my finance so I can start looking seriously for one next week. My budget will be $17k.
An insurance broker has just quoted me $650 for full comprehensive (32 with no accident history, 60% ncb) $500 excess for accident and theft. Just Cars quoted me $1074 with $1500 excess! Both insured for $16900.
Hope that helps.
I also agree with buying from this forums as most would be enthusiast and have looked after their Stageas very well.
n.