I got my zetec s when i was 19, Cost me £1500 to insure. The best quote i got on the st was 3k. That was with 2 yrs ncb. You can't really go wrong with the zs. It is still a fast car and fun to drive. You can make it into a st replica like i did with mine. The prices for the parts like wheels and seats have come down alot in price since i did mine. Give it a test drive and see what you think. Give it a few years and then upgrade to an st or something faster.

I have driven both cars and you do notice a difference a slight difference in acceleration. But handleing there is not alot in it.