I have the high wing. When I pop the hood, I lift from the side. My hand doesn't fit lifting between the wing and hood. Once the hood is lifted, I have no problems loading and unloading the trunk.
I can tell you I pay 865/yr with CAA on a MY24. 5 yr depreciation coverage as well as all the typical other coverages. I have 2 other cars (Toyota and Mazda) with CAA and home ins as well. Age 53, perfect record with no claims as well.