I also leased and received my luggage within a week. So, expect it... unless you become one of the unlucky few who has to wait a milenium for it. There is a thread somewhere about playing the luggage game.

As for insurance, I am also 23 and my insurance shot up like you wouldn't believe. In fact, it is almost more than my monthly payment.I'm still haggling with Allstate about this - but my quotes from Geico and Progressive were all within $50 of what Allstate gave me, so no sense in switching.

If I were you I would spend some time this weekend reading through some of the threads on this forum. Lots of good information floating around out there that will answer many of your questions.