I want one

Insurance isn't that bad especially if you get you multiple car discounts.
Honestly the SE gets about the same gas mileage as a 5.7 auto with the MDS.

Remember

we don't buy these cars to worry about mileage.

Tommy, aren't you in the age range where your car insurance is usually on the higher side? I recall not seeing a price break in my car insurance until I turned 25. You could always call your insurance agent and ask them for a quote. Never hurts to ask and you will need to know before you start shopping.

Get whatever model your heart desires
and gas , thats always gonna be an expensive problem no matter which one you choose
but in the end you gotta PAY2PLAY