waiting to buy a mod is not gonna help you avoid the addiction lol...
insurance companies have no interest in CAIs
a dyno tune by a shop is better than buying a personal tuner with a preloaded tune.. however id recommend buying a personal tuner with a tune on it.. that way if in the future you do some more serious modding and you need it tuned on a dyno then they can make a much more personal custom tune and use your tuner to do it all...
either way youd end up with a tuner.. just you dont have much done to warrant having a shop do it yet