[1795]

You are smart to go with the under car exhaust, saves on burns to the lower legs and is much more gentle on the ears. If you do not drive the car a lot, then changing the inboard brake pads is not much of a concern. Of course with the SPF you can have under car exhaust and outboard brakes...

Seriously though, take your time and do not let anyone pressure you. It's your money, will be your car and you want to be happy with your decision, that is of course after you pull the trigger and then have buyer's remorse, and finally acknowledge that it was the right decision.