If you're still in the market, the wife and I truly love our 3 series but I would recommend saving your money and getting one a couple of years old as it will still be a great car.
One thing I read a while back that really hit home with me was the scruffy looking guy looking into the shopglass window may own a watch worth more than your house!
That and some of us sporting the nice watch and trying to keep up with our BMW payments shouldn't be buying watches at all.
Here in the US, by law, last I checked, you could only be out a maximum of $50 if your card is stolen. Some banks take it a step further.
Also, in my experience, disputing a charge was much easier with a credit card than a debit card. I try to always make purchases with my credit card if possible, even when using Paypal.