I think it depends on your pocketbook and your needs. Both can produce similar numbers, but I've heard from several people that a stock 120 is very smooth and quiet. A 103 producing 120 hp would most likely not be all that quiet due to high lift cams and stout springs. Just a matter of what you want. Me, I prefer a larger motor with lower compression that doesn't have all that top end noise, but I'm not trying to outrun everybody either. Matter of fact, I'm getting tired ( old too ) of having to stop every 120 miles for gas. 30 mpg. Will gladly give up some of that power for more range and less noise. Just my .02, which is worth .00 [smiley=laugh.gif]