The only metal roofs that I've found to be loud are in pole sheds where you are looking at the underside of the steel, I work in a metal building with insulation and it's very quite and put metal shingles on a handful of houses and they are quite as well, even my parent barn is quite because the metal is over a layer of asphalt shingles.
It sounds like your insurance savings alone will make a metal roof worth while if you stay there for 10 years or so and even if you sell it will add enough value on to your house that it will have been a worth while investment.
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