yea 550 is a little (a lot) ridiculous for the trd! try to get it used or from somewhere else cheaper. it'll have no effect on your warranty.
the only thing trd that isnt overpriced is the struts - but thats only cuz all the other brands charge the same prices (~ $450)
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Sometimes, you gotta spend money to make money. But if you dont have money to spend, how can you make it? 
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