Buy: Better 180 or 225 hp?

What would you recommend, rather the small or the big ones? The important points for me are the following: 1. Is the small one much slower, or do you not need the extra power? 2. Does the large one consume much more? 3. Does one pay a very high extra price for the insurance (VK/HP)? 4. How is the reperure vulnerability, engine damage, LMM, etc Thanks for all helpful tips! P.S. Since I have already read a lot about engine damage: How many kms happens because most s?