I am going to go with the Flowmaster. The stock is just way to quiet. My wifes 07 V6 EX Accord sounds better than my stock XF. I don't want to spend a real lot of money either. It's Flowmaster for me. Whats this about the factory tips? They are not bolt on/off? Do they need to be cut off/ Welded on? If so that stinks, is it a big deal to have done? Please advise please. Thanks