How does the math work out?
You're going to save $4500 when you purchase it. What's the insurance? What's the annual registration fee?
If any of my back-of-the-envelope calculations are close to correct, you'll save money even if you register it, insure it, and use it the way it was titled. If it cost $200 per year to register and insure, you'd have over 22 years before the cart cost you more as a street legal. You gonna be driving that golf cart around in 22 years?
Just keep it registered and insured, you'll be way ahead of the game, and you won't have to look for a loophole to save you a few dollars.
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