When I was a newbie, it seems like oh so many weeks ago, and I was looking to buy a 337 or 336, the insurers told me the difference in insurance cost would not be that much, a few hundred dollars tops.
HOWEVER, that was before 9/11, so the insurance companies may have a different view of it now. As history now shows, I decided on a 337 and have been happy with my choice. Not without some gear problems over the years, however, it's still nice to have the retractable gear for speed, and heavens forbid, if there were ever a situation of a forced landing where you would not want extended geer, e.g., water, rough terrain, etc.
FWIW
Keven
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Easy vape perfect temp