I have a pre-facelift 4hs. I wasn't particularly worried about the model when we were looking as long as it had electric heating. I can't comment on the cheaper insurance as I've never had a quote on another model. I don't think the price difference after a few years is all that significant, so I would worry more about the overall condition of the car rather than the spec, as long as it's in the right ballpark.
The safety gizmos are a mixed blessing:
-The ACC is a boon on long journeys, especially in slow or heavy traffic, or in road works with average speed checks. I miss it now on other cars
- LDW beeps whenever you cross a line without indicating, and often finds other lines in the road such as repairs and beeps at you anyway.
- The collision detection is generally good, though I did have a couple of false positives in a multi-storey car park, which caused it to emergency brake due to a nearby parked car. That was fixed changing the detection distance from "far" to near and has only pops up now when some idiot squeezes into too small a gap.
2015 GX4hs since 03/18
2015 Renault Zoe R240 owner since 11/17
You may have speed, but I have momentum...