Welcome to TM! As a new-ish owner of a 2013 M3W..... I say go with the 2014 or the 2020. Time and money can fix *most* of the 2012 and 2013 car problems... but why bother if the later cars are not a huge step up financially?
Also - how many M3Ws have you viewed and driven? The more the better, honestly. Lots of members here are more than welcome to show their car to people thinking about taking the plunge to three wheels. Any M3W owners in the Jacksonville area?
On insurance, I called around to a bunch of carriers and got quotes. By far the cheapest was Farmers Insurance. Many of the carriers flat out refused to insure an M3W because it is not in their database.
