funfer_fahrer...perhaps what bmw7833 meant was to put aside some money every month just in case some repairs need to be made (umbrella for the rainy days)... like you said, if we need to spend money every month on the car, it doesn't make sense...
dvng...agree with you...some just thought that they could own a BMW for around 100K, yup...good car, much cheaper than other premium brands (as you mentioned, accord, camry...), but have not been educated about the maintenance of a BMW. I like this sentence "...that the E39 use to cost well over RM350k new and the parts replacement doesn't depreciate like the car value".
Currently, I'm still coping with the maintenance of an E34, and I know that maintaining an E39 would be much more difficult. So have to work hard, earn more money =)
Also agree with bimmer73 that having a decent and honest mechanic is also very important, one of our best friends during our BMW ownership lifetime =)