Hey I'm forum famous now!
Full disclosure: I fully admit that I spent more than the cost of a Thermal doing my own R&D, but the cost isn't really an issue for me and I had fun doing it, so to me it was totally worth it (I'm even building a rev 2 right now, with a real helmholtz instead of a quarter wave resonator). It was a fun experience and I've definitely spent more money on less entertainment before [emoji14] my wife likes that I'm not constantly bringing home old project motorcycles to "fix and sell" (that I never get around to selling!).
To the OP - systems like the thermal are popular and expensive because of the materials, craftsmanship, but mostly the time spent on R&D. You aren't going to get results on par with thermal's R&D without spending a bundle, so you might be better off throwing a stock muffler on there. Vibrant mufflers do a pretty good job of toning things down, as do Borla mufflers, but both are going to be louder than stock. Given that the stock system flows absolutely fine for anything you want to do with the stock turbo, it's hard to rationalize spending time and money (and it's a scale, more time = less money, more money = less time) to reengineer something when there really wasn't something wrong with the original one in the first place. If you want to have something quiet, but "loud on weekends" you could maybe do an exhaust valve so its normally going through the stock exhaust system but doing a side-exist at the push of a button. Just a thought. I did mine just because I like the sounds of cars and turbochargers and I miss the noise and experience of riding a motorcycle. If you're going to be carrying children in the car, you *really* should go back to a stock one. There are entire frequency ranges that kids can hear that adults cannot, and you risk harming their developing hearing with sub and super sonic frequencies. Once you damage hearing, it does not heal.