I was justtttt about to type this, whenever a “omg i just got an exhaust ticket wtf fuck the USA” thread come up on any forum I suggest 3" downpipe or whatever you need ->cutout ->stock cat and rest of exhaust. I see NO reason why anyone would need otherwise unless you REALLY needed the weight gone. I had Borlas on my SER and sure it sounded great, but coming into/leaving the neighborhood at night or in the morning was disruptive and the drone got old.
cutouts ftmfw, plus the total price is around the same as a decent catback (~$300+installation)