Some junkie fked up my convertible top and now has a nice 10" gash in it. It will be replaced by insurance, but am wondering if I should upgrade to a cloth top and pay the difference (I'm assuming there will be a $$$ diff. and is it worth it). I live in BC Canada where it rains A LOT and am wondering about the durability compared to the regular vinyl version as well as fit n finish, maintanence/cleaning etc - I'm kinda digging the matt finish as well of the cloth - anyone either has converted or has a cloth top have an opinion?? thx a bunch guys!