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I traded my 12 EX for a 12 Si about 6 months into payments and haven't looked back. My payment went up almost $50/month and insurance stayed the same. I really don't notice much difference in my gas bill, although it has gone up slightly. I never regret my decision and enjoy the SI wayyyyy more than the EX. It wasnt the best financial move, but I would rather pay a monthly payment on a car I really love rather than on one I just really like.
(all these ppl that said they didn't have a problem, could be older and/or have a clean driving record, etc., as opposed to being under 20 or whatever).