have you considered a t4 version of the same model or even a 2.0t,probably as good if not better on fuel(i'm sure some people will confirm this)and plenty of power in reserve that can bring a smile to your face every time the road clears, and insurance costs are about as good as you can get on a car that can nearly hit 150 mph,not had my s40 long enough to give you a full run down on problems,no model is without faults and the s40 is no exception,that said safety is a big plus for these models and can cover massive mileages if well maintained,price wise i'd have said 4000 for a 52 plate was a bit steep,i would have thought private or at an independant dealer you would find one nearer 3000 and the turbo models even cheaper in the present climate,have a look on the autotrader site for prices,though they do vary massively,hope this is of some help
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