I have my stock mufflers with tips. I had the exhaust shop cut the pipe right where it meets the muffler so it's literally 2 big metal boxes with stock tips. I'm in Socal tho, San bernardino area.
If you put a magnaflow true x in place of the H pipe, it should be about as quiet as stock and will probably sound better overall. May even be quieter than stock, I am not sure.