stainless or fiberglass

well, i went to the insurance adjustor today and he told me my hood was shot to hell, it would be cheaper to get a new one. so i'm going to try and go to one guy with all 4 of our cars and see if he will cut me a deal on the cowl if i bring all my business to him. in other words if i can get out of having to pay anything at all. ive been looking at cowls.....any opinions on where to get a good cowl for a decent price or what type to get? and the big question, stainess steel or fiberglass. the only difference i have seen is price, and i figure stainless would hold up better. thanks again in advance.