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Hi all, 

PCP is up in September and I don't know whether to refinance the balloon payment for another 4 years, or start again with a 2023 320i.  Nothing wrong with the 5 series, apart from I wish I had Android Auto and split rear seats would have come in handy.  My also concern is that with 56,000 miles, I could start to see more things go wrong (not that they haven't on the last 3 odd years I've had it).  What is putting me off the 3 series is the £620 road tax and that all the temp controls are via the infotainment.  Monthly cost works out about an extra £40 a month. 

Just wondering what others think? 

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