The 3.2 is a nice engine, with plenty of torque and lovely and smooth but being normally asperated it's a lot more expensive to do anything with power wise. The 2.8T is a lovely car especially in VXR form (and they did do an estate VXR), although does have it's weaknesses (has a habit of stretching chains etc) and you can get serious power from them quite easily. I'm very happy with the 2.0T though, owned it from new and enjoy it as my "other" hobby (photography and the car are my hobbies basically), It's a car that we've very much made our own and there's definitely not another one like it around, but it's still just a Vectra at the end of the day and some people won't like it regardless. Me, I love it still even at nearly 10 years old.
Insurance wise, every mod is declared and it did up my policy quite a bit, but it's just part of the expense of the hobby.