I'd take the payout from your insurance and get a full cage put in instead of keeping the factory cage. Going to a full-cage is something I now wish I'd done a long time ago. They're expensive, and about 10hrs of labor, but worth it.
I flopped my Jeep back in 2011 and it was a huge pain to get a good estimate from shops. Three that I was referred to turned me away and said they weren't interested in the work. I learned that most body shops don't want to waste their time on an estimate when they know they won't be doing all the work. USAA eventually sent their own "specialty estimator" to my home and estimated the repair at $12K. I took that money, paid a shop about $4k in body and paint work, spent a few thousand on upgrades and pocketed the rest.