I am thinking of trying the Baja Designs insert. I ve heard good things about them as far as no power loss, easy on the ears, etc. Right now, its not so important to me. I have always loved FMF products as well, but not their prices!
I wonder where your riding, thats so close to your neighbors? Whenever I'm just taking the bike for a spin around the neighborhood, I put the baffle back on, so as not to freak anybody out. Cant understand why they never look at Harleys the same way......