First I would like to thank everyone for all the comments, however I think things got a little taken the wrong direction here.
#1) I was not planning any mods for the vehicle...since they cost money and with 201hp it's they are not really needed.
#2) I go through Allstate for my insurance because with them I can get a "chip" to keep track of my driving and get 10% off a month if I don't brake excessively and keep it under 80.
I am actually kinda offeneded that people think I want to do nothing but speed around in it, I truly don't do over 70mph on the highway and am one of the only ones I know that actually do the speed limit.
Mike - I have looked at subaru's I really really like the legacy's, but I have yet to find one with lower miles for less than a small fortune. Trust me I would really like the AWD in the winter. Especially with the baby.
I still love love the xB's and after reading this they are still on the table, I might take you up on that offer to drive it Toyota89 (Sorry I forgot your actual name

) I will see if I can make it to the Corning show and the cook out.
Like I said I have a while to look and decide, plus I have not driven any of the cars mentioned so I may not even like the feel of the civic.
I hope this straightens things up a little and I appreciate all the comments, especially from Mike, Toyota, DooLittle, and Nicole.