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If you're worried about covering your deductible while it appears there's money spent on cosmetic or aesthetic things on your car you need to rethink your habits.
I understand that wrenching is therapy and modding is a way to occupy an idle mind, but there are ways to do it cheaper, and looks don't make it go.
I hope you take this as a lesson on priorities in spending. My lesson involved a blown engine the morning after picking my car up from a shop and being late for work. I decided I wasn't going to let anyone else touch my car. If it's going to pop, it's going to be MY fault.
Now I'm a mechanical engineer, so I'd say the lesson turned into a career.
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