GottaGetaV8 (cute!) -
Let your wifey know this: Your insurance may rise a little, but it prolley won't break you. I am a 22 yr old female with a '98 Mustang Cobra and spotless record and I pay~$100/month (State Farm-woohoo!). I don't consider my backseats in my '98 unbearably small, but I know you're looking into the 99+ models and I'm not sure what they're like.
Good luck, dude. Hope you get what you're wishing for!
Mandy