Generally, an off-the-shelf chip will be as good as anything for a standard car. If you've changed some hardware, you'll usually benefit from a custom map. There doesn't seem to be a huge amount to choose between RICA and TME technically...other than to point out that the power advantage RICA claim appears to be 'dubious' - I'd consider them to be more or less on the same level in terms of power gains, etc. Some say the RICA is more 'aggressive' - bringing the boost in harder, etc. I guess it comes down to how you like your car to behave, and driving style, etc, at that point.
In terms of changing hardware...you could fit a larger turbo from the TD04 family (i.e. 18T or 19T), and along with a 3" turboback exhaust, that would represent a noticable difference. If you don't want to change your exhaust, I'd not bother with a larger turbo...you might as well save the money for spending on all the fuel you'll be burning having fun
cheers
James