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Octavias are much more roomy.
Japanese main dealers can be super spendy. Probably because the cars are so reliable that the opportunities to gouge the customer are few and far between. I did get Lexus to do the timing belt, aux belt and water pump for the LS400 for £500 once, but that was a special offer to get older cars back into the dealership.
They've a couple of reasonably choices, a low mileage and very well equipped A4 estate in "40 tfsi" power, which is the obvious practical choice, and a more left field Cupra Formentor in 2.0/310 horsepower guise. Ironically it might be more comfortable than the Audi as it has adaptive suspension.
It's worth noting that cars in Northern Ireland tend to cost at least a couple of thousand more like for like than they do in England, some of the suggestions would be well over budget over here, and estates are generally very difficult to get hold of.
For example the cheapest BMW X5 3 litre with under 40,000 miles is £43k here. A 520d estate would start from about £27500 from a non-franchise dealer and there aren't that many about.
Much as the idea of a massive estate holds a lot of appeal, day to day the A4/3 series size probably makes more sense
Having said that, the physical controls for the heated seats and climate control etc on the Audi appeal, what were VAG thinking when they put those on a touchscreen menu?
That's a basic requirement as far as I'm concerned.
Both have reversing camera, DSG gearbox, heated seats, powered boot lid/tailgate, 19" alloys, about 25,000 miles, and as far as I know the ubiquitous EA888 engine (albeit in significantly higher power form on the Cupra), and digital dashboard (which works very well from previous experience of a Golf GTD)
The Cupra has a Haldex 4wd system which allows for the sub-5s 0-60 but also needs regular servicing and accounts for most of the 15% difference in real world mpg.
The A4 does the 0-60 run in just over 7 seconds but will get 42mpg on a motorway cruise, and is obviously cheaper to insure.
Both fall foul of the luxury vehicle tax.
I previously ran a Mk3 Focus RS, and the main drawback apart from 26mpg fuel economy (bigger engine and permanent 4wd as well as manual gearbox so no 7th gear for cruising) was the fact that there was all this performance available that you rarely got a chance to use for more than about 5 seconds at a time, and I do wonder if the Cupra will feel the same. It might do the Jekyll/Hyde thing better though, the RS was just a hooligan all the time.
I'd been planning to change in the next 6 months anyway and I need a reliable car for work, I'd happily consider another MX5 as a second (or in our case third) car, ideally in the lovely crystal red they do and 184 horsepower version
(It helped if you stuck to the quality marques, but even some of the French tins could make 50k miles if handled gently.)
My 1997 A6 did 100k hard miles without complaint, my 2003 A6 managed a faultless 120k in my care, and 50% more with Monq. My current 2012 E350 has had a much gentler life (only 60k miles to date) and my plan is to not replace it, not least because it’s a little difficult to buy anything new that has vaguely equivalent performance.
The only car I’d buy nowadays, if I was going to keep it, would be pre-mid 20teens, and then I’d spend the money keeping it well maintained.
A 2014 BMW 535d would probably keep going for many miles but would require regular maintenance, and I'd probably need a backup car for when it was getting work done, and I'd rather not have a 3rd car taking up space on the drive (or out on the street as it would be in our case).
As it stands I'm happy generally running a car for a couple of years and then changing it (the MX5 was the first car in a decade I'd owned for more than 2 years, in part because we needed £300k in cash for house renovations a couple of years ago), so planning to get something that's a pleasant place to be for the commute, but probably won't be run for more than 3 years
I’ve never PCP’d a car because I’ve always bought-to-keep, but for a no-hassle vehicle for 3yrs it might suit your need?