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The pan guard has saved my car more than once when it would have destroyed the pan and left me by the side of the road or worse. The down side is that a few times a year I have to take the guard off since it's been slammed up against the oil pan and straighten it. Otherwise it vibrates the heck out of the car and loosens things. The way my car is I also had to shim it up a little so that I had a little more clearance and wasn't hitting the pan guard as often. NYC is tough on cars and you're usually so close to the guy in front of you that you cannot see the pot hole that is living only to swallow up your little car.
As for new seats... I am going through a similar dilema myself and bought seat covers (not the cheap ones either - ugh...) but thinking about a good used pair. From the sounds of people I've talked to reupholster them is quite pricey.
Good luck!
Sarah.
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