Truraja, dont listen to them, they're just misguided
Personally, I think the tint would set the car off rather well. For instance, I plan to smoke my taillights, tint the windows, and powdercoat my stock rims black, along with painting the calipers red.
I do believe that the insurance quip is false, but I have not looked into the matter for quite some time, so no hard feelings if I am wrong