R32 is more of a sports car, also a 6 cycl, so sounds nice are tough. I havent driven a stock one tho.
S14 is an aussie made car, that surprises a few people. Have a beautiful exhaust note on boost. The luxury model has a sunroof and airbag(s?)
I believe insurance will be the same for both cars, coz they are both single turbo coupes.
Id take the R32, or if not id take a S14a, they are worth saving a little bit longer for!