I would disagree with all three of your observations...A) the ceramic one looks better B) I've never heard of any problems with the ceramic/catalytic converter (are you referring to installation or combined use with?!) and C) more money isn't always better.
Also, no matter how well you clean/treat the SS DC headers...they're still goin to look like **** later on....unless you like the rainbow look

or have a wildly painted car with lots of pearl in it that will match the color of your headers

If you clean the ceramic headers, they won't look bad at all, but SS will change colors within the hour after you start driving with the headers for the first time.
From what I've heard, the ceramic does retain heat better (I think that's why the SS changes color so badly - maybe not tho - I'm not an expert) and I have also heard of them crackin, but that's very, very unlikely. I don't know of anyone that has actually had them crack, cept for the member on PO that dented them when he hit the driveway way too hard (too fast).
I've had mine on for a few months and I really like them. They perform well and still look great. I'm sure others such as mugen could've gotten more gains, but I'm not willing to pay 2-3 times more for 2-3 more HP.
If you still think that more money always means better, then I suggest you buy the mugen headers. some of the members here have them and like them as well. I don't think that you'll be disappointed with them....just clean them before installation.
-AZNinside