the T-4 has gone under a revision or two since they produced the one i have, but these days i'm one of the few who runs one...
that reminds me, i think you had PM'ed me about it...i'll get back to you soon.
anyways, yes it is fairly loud, they do have a quiet core if sound is an issue. I never ran a quiet core and for the time being i do not run a spark arrestor (not recommended for the average rider), people WILL hear you coming.
As far as quality, fit/finish, etc goes, it is a VERY well made product. I wouldn't purchase a different exhaust if I did it all over again. Everyone that says "______ exhaust is better, ______ sucks" etc etc is full of it, 99% of these folks have no experience with any exhaust other than the one currently on their bike.
Jetting changes will depend on where you live (or where you ride, rather) as well as the climate. Keep reading the FAQ, eventually most of it will make sense. My jetting was off until I went bigger on the main jet as well as the e-clip setting.
Respect is earned, never given.
2002 250ex- SOLD.
Creator of the 250EX Performance FAQ. For 250ex headwork and various porting , please email me at flyinryanporting@gmail.com