i was right where u are about 2 weeks ago. got the 50 suv dual in single out muffler and went with the single 3" out all the way. left the cats and stock headers and of course pulled out the resonator. no i didnt see ANY lag in low end torque with the 3" pipe, in fact, probably a slite increase. also as far as the tip goes, definetly get stainless...last forever and if u polish it it'll look just as good as chrome. WELD ur tip on. if you cant weld the labor cost for it will be cheap it takes 20 mins tops and a bolt on will eventually fall off if not tightened, possibly rattle, and could be easily stolen. before you ask i cant do pix/sound/ or video...lol. but my tip is practically identical to al's.