Never worried, still don't about head support- even new roadsters don't offer much.
Definiteley get a fuel cell
Yes and no--ugly a point of view or perception, as are full hoops, roll cage. etc., if you want a totally safe car by a new Volvo or such.
Insurance? it depends on your company, driving record, and other factors some have cheap coverage--some quite spendy for the same marque of car. No definite guidelines .
BUT IF YOUR WIFE LOVES IT WHAT MORE DO YOU NEED
MOST FUN ON FOUR WHEELS THAN YOU CAN IMAGINE--BAR NONE IMO
AND YOUR WIFE LOVES IT! WHAT MORE DO YOU WANT?