Ric,
The chip is well worth it. I had my US 2K TDi Golf (auto) chipped first, no other mods. Impressive in many respects. I then made the engine breathe better by adding a low restriction intake and exhaust. Which again improved the effortless power this car can have. Finally I went for over size nozzles, maybe to oversize? Any way now it drives like a V6 on steroids. I did have to get rechipped with the larger nozzles. Now when I can afford it I will change the intercooler to get the smoke and heat down when I push.
Good Luck,
9sparkn