A few of my buddies went from SRT-4's to goats. It's a matter of taste and needs... Wife has the SRT6 and I drive the Stage 3 SRT-4. More of a road course guy than a straight-line guy, but they are both great for what they do... Kids get hauled in the SRT-4, has that back seat. Wife and I go out for dinner/fun in the SRT6. Works for us. Grocery getter and long-trip driver is a Honda Fit, believe it or not. You can throw a lot of **** into those things with the seats folded down in those things, mileage and zip is OK for a 1.5l non-turbo engine... Just a matter of needs/use of the car you use.

And wow, your insurance does seem awfully high. SRT-6 coverage with $500 deductible is $875 A YEAR for us. SRT-4 is $959 a year since they have bad records of collision repair. Save some cash on insurance and call Nationwide Insurance.