If you don't want to rev the engine, and are looking to drive it tamely to get good gas mileage, why even consider the WRX. Shifting below 3000 RPM everytime, like you said you want to do, won't even get you into the power band of the WRX. You will think it is underpowered if you never go higher.
Go for the non-turbo Impreza Outback Sport or another Subaru. You still get the AWD, and with the OBS a stiff suspension, plus a bigger motor without relying on a turbo for your power.
The ONLY real reason to spend the additional $5000 for the WRX is for the performance, and it doesn't sound like you want to use it. This is a car for people who really want to get the most out of a driving experience. You need to try another test drive in an automatic! If you are not going to use the best feature or a WRX, then don't waste the $5000. Like a magazine writer wrote about the Honda S2000 [paraphrased] "for the people who never get the car above 7000 RPM (the S2000's power range), it will feel underpowered, and they might as well get an Accord."
Plus, if you get a WRX and put neon under it, you will get lambasted on these boards. That is for people who buy Civics and, dare I say, Jettas.
For insurance, go to www.progressive.com and put in both cars as if you had them both. You will get an exact quotation based on your age, location, etc. I would venture to say that the VW will be substantially lower than the WRX. There is a recent college grad on here who will be paying more on his insurance each month than on his car payments!
(And yes, I did look to see what date Riley posted this question, because I seriously thought it was an April Fool's joke.)
Avon, Ohio, USA
1958 MGA Roadster http://homepage.mac.com/mga1500
1997 Ford F-150 *For Sale* http://my.en.com/~smorris/ford
2001 Audi A6 (Deb's drive - no web page)
2002 Subaru WRX Wagon http://homepage.mac.com/subaruwrx