I'm new to Volkswagons (own a POS Chrysler Cirrus http://****************.com/smile/emthdown.gif ) and trying to decide between a Golf or a GTI. I love the GTI but I'm afraid that insurance and payments are going to be too much. I'm 23 have a good driving record have yet to go to insurance office and see though, anyway. I kind of like the Golfs too, but at only 115 hp...how are they? Good pickup and acceleration during cruising? I'd rather have 180hp turbo. I just got out of college with a telecommunications degree have had 5 interviews and close calls but nothing yet...yes the industry sucks.I work full time now and could barely afford the GTI on a 48 month loan, 60 month I could afford, but the Golf's price is much nicer. My current car needs the A/C fixed ($800) and has been having tranny probs ($2000). So I'm wanting to fix the A/C and trade her in before the tranny goes, so I'm looking at a new car by mid summer. Would I be happy with the Golf? or should I wait till I can afford a GTI? Thanks for any info.