Header advice

I say go for it. $75 is pretty cheap for a new set of headers, even if they don't fit perfect like Doug's or TTIs. I'm in the same boat as you, I couldn't condone ponying up the $500+ for the good fitting headers over the cheapies for the time-being.

Be prepared to massage the headers with a hammer and some heat. The last set of headers I put in, which were Summit cheapies, needed clearancing in several spots, but fit okay as far as I'm concerned.

I've never found the low-hanging tubes to be a problem, but I also have a deep sump oil pan and don't drive my car like I drive my Jeep. If I hit the header tubes, I'd also hit the pan.