I would be pretty easy to paint the insides yourself. Bake them in the oven, pry off the lenses, paint the insides (just leave the reflectors there unless you retro) then reseal them. A lot of 04+ guys do that.
I've been trying extremely hard as well to avoid getting into accidents (even though I'd LOVE more insurance money) just because of my retro. Insurance is going to go based on stock parts unless you have some special insurance.