You listed insurance and police attention as factors in your decision.
The fact is that any overtly sporty car, even a sedan, will have high insurance rates and almost certainly attract police attention.
If you want low insurance and low attention from law enforcement, a generic looking sedan is your best choice. Fusion w' manual transmission won't attract attention, but it'll have more kick than your clumsy Camry.
Really? Is that a fact? Have any sources for your facts? I didn't think so.
My Legacy GT had lower insurance costs when I priced it against comparable Honda Accords. Now take the very similar WRX and the rates skyrocket.
Why? Because far more teenagers drive WRX's than Legacy's and they wrap them around trees.
While credit rating plays a large role in individual insurance rates today, you also have to look at the trends for that vehicle as a whole. Hell, my 06 GTO had rates just slightly higher than an Accord when I bought it. Over the 2 years I owned it, rates started going up towards the end. Why? Resale dropped the values into the low teens and more teenagers started putting them in ditches.
P.S. You can't get a manual transmission on a Fusion with the V6, only the I-4. While peppy and sporty, it would get its ass whooped by a V6 Camry. Facts, my dear boy, facts.