in your situation, i'd get the vert. and no i'm not just saying that, i'm personally a bigger coupe fan
waiting that extra time for the vert (since the production is pushed back) is probably going to be hell, because a 4-cyl saturn simply isn't a camaro, but if you really want that convertible, i'd wait for it.
if you don't have the patience to sit on your hands and wait, obviously look at getting a couple
and as the almighty blur said "Save the entire price of the car." odds are life will be easier if you've got an extra years worth of payments/downpayment or maybe even full cash amount saved up.