A 4-1 header tends to give you more top end power whereas the 4-2-1 tends to give you more mid-range power. For daily driving, the 4-2-1 header is a better choice.
For installation, a one-piece header is a bitch to install. You'll most likely need to remove the radaitor fan and the a/c condensor fan to have enough room to install a one-piece header. A two piece header is MUCH easier to install.
Ceramic tends to keep the heat inside the header better, so you'll have less heat inside the engine bay, but the coating chips and the header cracks over time. Stainless loses heat much faster, thus more heat in the engine bay, but they last much longer than ceramic.