Mechanically there is nothing wrong with either, given that both have been installed correctly.
Seems to be a matter of your preference. If you like the sound of the exhaust then consider it a plus, if it is annoying then you will soon be paying to either put the stock muffler or something quieter back on, I'm sure any decent shop can do it for less than 100$ if it is just a muffler.
It is a big consideration in determining the way this car was treated prior to you. Many people get those simple bolt on's and drive it like they stole it, and usually the newer the car the more aggressive they are driven since low mileage vehicles can take severe punishment. I would be worried only if you plan on owning this car for the long haul, but if it is only a toy, or you plan to trade it within the next few years then it may not concern you.
95' GT. GT40X heads. XE264HR with 1.7RR. AODE built to 98+ 4R70W specs and PI 3500 stall. 4.10 gears. Bama tune. I got the heads for free and I still have buyers remorse.