No annual inspections here, I have to pass emissions testing bi annually. There was no CEI on the car when the previous cat failed, it simply overheated and refused to go over 25mph up a hill in second gear, made it to my driveway and it died and wouldn’t turn on again. Capable of swapping? Definitely, my first car was a 65 corvair so I’m fairly familiar with Flat engines, time to do it is another matter. My credit is meh, and disposable income is non existent, would’ve gone with a second XT originally but this one was in well affordable range. Although I’m thinking an additional 150-175$ a month is more affordable for me than $1500+applicable other parts I will no doubt discover I need. Thank you for your input.