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I'm 22.. Got my 1SS/RS in October
I've never driven an LT V6 so I'm slightly biased towards the SS, but i've seen the V6 and they move..they have power.
If you don't speed, aren't going to race it at the track and such. Go for the LT/RS It's gas milage, looks and price oriented.
Your insurance company may still hate you because it'll be a newer car. You can't go less than full coverage if you are financing it at all btw.
Just my $.02.
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