I've read thru most of the posts but could not find a definite answer as to why 520d is a better car compared to 523i. From what i gather, the advantages of 520d are as follows:- 1. $50k cheaper - real value (best reason)2. Good FC - good savings on monthly expense (probably half of 523i)3. Better torque4. Less maintenance??? Advantages of 523i:- 1. Less hassle during fueling2. Better HP/acceleration on HW???3. cleaner engine??? Sorry, I have not own a diesel car before and needs to be educated and converted. Perhaps some Sifus here can assists. Cheers!