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Welcome to the site. 99 miles is quite a ways to drive every day.
The Fit definitely isn't a bad vehicle, and it seems you're doing pretty good with it. What the Fit really needs is a taller geared transmission (as do most manual transmission Hondas). I'm not sure what transmissions would bolt up, but I'm sure there are others here that do. A few areo tweaks would also help a lot since you're doing mostly highway I'd imagine.
The 1st gen Insight would net you a decent increase in MPG without any other work other than buying it. I don't think I'd bother with trying to find a VX or HX. They'll return you somewhat better mileage, but not that much. You can check out the garage link to see what others with these vehicles are getting. If I recall right most HX owners are getting in the mid 40s, and the VX owners a little better.
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