Yeah - chucky is an idiot. He spews useless crap. Is your exhaust too loud inside the cabin or do you think it is too loud outside? It's really a combination of the whole thing. You headers will make the internal cabin exhaust niose louder. Your best bet is probably those baffles otherwise.
when i first got my car is was bone stock. i started with spin-tech pros and that didnt get me where i wanted. but i bet that is about where u want to be. i put an o/r h on there and BY GOD IT'S LOUD NOW. but thats where i wanted to be. my best friend has a 99 with an o/r h and dyno max, and it MUCH quiter than my car. and the only difference between the 2 are the mufflers, so u can go either way. i would try the mid pipe first cause its a simple BOLT-ON part. u can find a stock mid pipe CHEAP, and have it on within an hour. if thats not what u want, then go spend alittle money and get u some different mufflers. id just hate for ya to spend the money on mufflers first and that not do the trick for ya.