Mat,
Think of this...which is better
(1) To own a Myvi and then upgrade to BMW when you can afford or
(2) Own a BMW and then have to downgrade to Myvi when you can't afford the maintenance cost
I waited for 8 years before I got my first E36 328i. I started with Datsun 120Y, then for an old Proton Saga, then downgrade to Kancil (nak duit beli rumah), then Proton Wira. I only go for BMW when I can afford the maintenance cost. No regret of course. Bimmer is really an UDM. I just got my 2nd bimmer toy recently, a Z3.