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Ahh bless!
Sounds good to me, get a new car and all you need to pay for is the insurance! So you could go for a car that you wouldn't normally be able to afford the insurance on as you don't have to pay for anything else! :)
My next car will hopefully be a vee too, after the 3 years on my car is up I'll be over 25 and hopefully will be able to afford the insurance :) If not a 225 F1.
That sounds like a load of cr*p to me, what is the point in having a 3 year warranty if hardly anything's covered for the last year?? And 25K is too many miles?? Wtf!
£27k is enough for a 182 isn't it? I'd say keep your one for a little while, then put the money aside that you would use for mods, and use it for insurance on the 182.
172 cup, imo that's the 'proper' cup, I don't really see much point in the 182 cup, I'd rather just have the ff for the amount of difference there is in weight.