Cheers for replying Nathan
With less than 70,000 miles covered I'm hoping the pump will be ok, and yes, making the spoiler inactive won't mess up most people (would me though, ironically - I have a nasty dip as I come out of my garage block). It's the insurance thing which I reckon would probably be the main reason - if you can get insurance for a reasonable price on a big FMIC, then that's obviously the best way to go.
It's young owners, or those with a 'checkered' driving record (or, like me, both ) that are stuffed though, and an SMIC made by anyone has the happy advantage of being classable as an OE replacement part, and therefore doesn't need declaring to insurance. I know I've heard rumours that not everyone has told their ins company everything they have fitted but I also know that I personally can't take that risk, especially if a bit of bacon decides to pull me over and check out my docco.
Sod it, I'm selling up and getting a Micra