Hmm. .......35, ah? Eh....what's all this kira kira with age versus Series Models? It's all about preference, the work you do(ca't be driving a Bimmer to the construction site! Unless it's an X5!LOL) and of course the most decisive factor....BUDGET!!
The E90 320i is the second UDM I have owned. It's underpowered but not to the point of frustration. I was driving the E66 before this. And while the first one had her share of issues, I doubt I will ever change to another marque or even, another model. I think I am a 3-Series Driver for life!
The 3-Series has impeccable handling and roadholding, sporty enough for an ahem, spirited drive when necessary(all Bimmers are capable of that anyway.... we called the E66 a sports car disguised as a limo) yet at the same time, is refined enough that you won't feel insecure when you drive into swankier hotel lobbies. It's also practical as an everyday car. Not something that could be said for the Scirocco nor the Golf.
The Golf GTI is a great car. My sis drives one. It's very good value for money for what you're getting. Heck, when you look at the Specifications Sheets, even the Scirocco & Passat CC might be even better bang for your buck. Not quite as confident in resale value or the speed you might be able to offload the car later on though. But you call me a shallow and insecure twat,....... when you see them parked side by side, I don't really care about the speed and all that other stuff.....a VW just doesn't do it for me lah. And I would never claim NOT to be image conscious.....I would be driving a dissimilar car today if that were so. When I see a 30-something year old guy in a Golf GTI, I think, "Pratt ...could've gotten himself a proper BMW but wouldn't..or didn't have to.". I of course, walk away gobsmacked when he tells me he already has the F10 for workdays.
At the end of this semi-bitter diatribe, I would say:...Get the 320d or the six-potter. I don't know what you are referring to when you mention a step-up repayment program but I do not suggest getting one of those balloon payment schemes whereby you pay differing amounts as time passes. Call me old fashioned but pay as much as you can possibly manage in the downpayment and work out the rest in fixed monthly installments; an amount that you are more than comfortable with. I don't believe in the, "Oh, I pay this much now, and I will be able to pay more in two years because my salary will be so much higher then".