Yeah I'm aware of how useful and practical these cars are as im coming straight from a 13 plate standard Zetec, it's the engine and the looks im going for as I think the Zetec S looks incredible!
I got my Zetec the day after my 19th Birthday which was lucky timing lol, I pay £75 per month to insure it and they only want an extra 6 quid to insure the ZS. That's with 1 years named experience and 1 years full policy holder no claims, im 20 in 3 months so I consider these to be really good prices!
And as for modifications, it really depends on what the dealer will let me change as im on the ford options finance plan.
Will upload some pictures once I have it, keep meaning to get one of my current car but I haven't had chance yet...
They don't care what you do to the car, they will just give you a value at the end. As long as you do things that can be easily changed back it should be fine.
Sent from my GT-N7100 using Ford OC mobile app