Definitely never thought about how the insurance would be effected soooo much. The ST is kinda expensive as it is. When I first traded my 11 5.0 it was actually $25 more a month. Ended up changing providers, which brought it back down to where the 5.0 was.In stock form the RS was very close to the ST in MPG, it was a little worse if you were really pushing it though. I also thought the ride quality of my '16 was great but others complained about it having a "pogo" effect in normal mode. Ford actually changed the shocks(different part #) mid 2017 and most people say that eliminated the pogo effect. I like a stiffer suspension and it's normally the first mod I make so that's most likely why I didn't mind the '16 as it was.
The car is an amazing daily driver in stock form and the AWD is super confidence inspiring in any weather, I loved it in the rain...rain + drift mode = FUN! It also felt like the RS had more mid-range power with the stock tune and was super smooth, almost too smooth like you look down and your doing 100 mph and you think to yourself "how the hell did I get up to this speed".
One thing to keep in mind and no one mentions is the insurance rates, mine doubled coming from the ST and then went drastically down when I bought the GT. I asked our agent(Progressive for the last 15 years) and she said the RS is in the same insurance class as a GT350R, so be prepared for that.
There really isn't anything like it and I have no doubt you'll enjoy it in stock form.