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I've been umming and ahhing about whether to upgrade. Think I'm going to hold off for just now. Will probably upgrade to an SSD next year (and chuck some more ram in while I'm at it). I'll upgrade then I think.
I'd just be going for the 16s from the 172 myself. Keep it OEM, but they look nicer being a little bigger. The problem is though, I'd probably then want to lower it a little.
It could be done, yes. But you'd need the bumper, wings and lights (the 200 lights are different to the Mk3 Ph1 lights) to make it work. Probably not worth the money or hassle really.
Can you not get a 0% credit card? Pay the insurance, set up a direct debits for each month and shred the card so you can't use it again. Then you have your monthly payments with no interest.
Tesco are doing 0% for 15 months and Barclaycard for 14 months (I have that one).