It has an effective rate--and I could care less what it is. (I'm a mortgage loan officer, and the only rate I know is 30 year fixed-conforming). The point is, stop trying to engineer a better mousetrap, er um Focus. It's been done. As noted above, the horse is dead.
Take the car--you have a good setup. Drive it. Drive it. Drive it. Eat. Sleep. Drive. Drive. Drive. Learn. Come back in a year...and tell us what you learned.
My Focus was a non-moonroof, but otherwise loaded ZTS...it was 'heavy'. I ran on 205/50-15 RT215s on skinny 15x6.5" wheels...and ran middle 50's in the front and mid 30's in the back for pressures. I had Konis up front set to about 1/2 stiff. I had Spax adjustables in back set just up over full soft. I had about -2.6* of camber in the front with SPC 'plates', and over -2* in the rear--it was whatever the natural camber was from the H&R Race springs. I had a 24mm 3-way bar in back and used the middle (24mm) setting. I had a stock bar up front with poly bushings. It was chipped and had a Iceman CAI, a Steeds STS and a 2.25' catback. This was a mild STS car at best...wider wheels and full poly bushings, DAs, coilovers, 'real' camber plates etc. never made it on the car...why?--a lot of money would have yielded a little in return...and it was clear that the Focus was a 'best of the rest in STS' car at best. Not because of springs, not because of swaybars, not because of anything other than it was almost 2800 pounds in a class with 2000 pound cars.
Still, that car was the fastest 'street tire' car at Jetfest1...and 4th overall. It finished as the highest placing non SpecCivic in STS in my region in 2005--and we have arguably the best STS region in the Nation. It did not suffer from any undue terminal understeer...but I also have been autocrossing since 1993...12 years at the time. That is alot of experience. The only thing you need rignt now is experience...and that is one thing that you can not buy.