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Since the cost is a wash (you'll spend the money either way, for a new stock suspension or lowered), I am strongly in favor of lowering. I've seen widely-varying estimates on Cd change when a vehicle is lowered, from -.01 per inch to -.08 claimed by Ford on the Fusion 999 hydrogen Bonneville car, which was lowered several inches (but not 8!)--but all sources agree, lowering a car has a beneficial effect on drag. The primary benefit, I think, is not in the (tiny) reduction in frontal area or airflow under the car, but the improvement in fineness ratio, as you mention. I put coilovers on my car a year and a half ago, dropped it just until there's no gap between the top of the tire and fender, and haven't looked back.
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