troy,
i was quoted something similar to you... $2500 does not justify a stock r32 GTS-t, in my opinion when i take into account my own self and the wya i drive. ~5 years down the track, insurance has nearly cost me the amount of the car! ...and i really don't plan to write a car off every 5 years. thus, 3rd party, fire, theft with just cars
i didn't get a car like yours for a purpose, but if i did i'd have the full comp. and sleep in my car