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I don't think you need a tune/chip if all you have is the CAI and exhaust. You will need a tune if you modify your catalytic converter setup at all because that'll likely throw a code. The exhaust is pretty non-restrictive stock, so adding an after market exhaust won't really change the engine performance characteristics, just the sound. Of course, I don't have an exhaust system added yet, but I'm sure many many people on here can attest that having a CAI+Exhaust doesn't throw any codes.
That being said, I'd avoid getting a tune if your budget is tight. Because if anything breaks in your drivetrain/engine, the dealer will see that you had a tune, and the warranty may be invalidated because of it. They technically have to prove that the tune broke whatever broke, but that's a fight that may not be worth it. I'd just get the CAI to start. Once you have enough cushion to pay for a 3k repair, then you can tune to your heart's delight!
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