try to get hold of an old Mk3 1.3 for insurance, or the later 1.4 cvh, you can always stick a decent set of carbs on it.. shouldn't be too slow then either, insurance is gonna be a problem whatever ya get at your age, or just pay that bit extra an have a 1.6, but i would prefer a early mk3 1.6 cvh, a ghia or somat (xr2 engine), there is shit loads of engine mods you could to that, an later go for a turbo conversion or something, if ya wanna get real into it change it for a zetec an turbo it..