We've always spent/bought/borrowed, based on if we both lost our jobs and had to temp, could we still pay bills.
$200 additional a month with decent income is not that much. Sounds like if you lost your job and went and made $75K, you'd be ok.
Get a great deal (so if you need out of in year its no issue) - you looking for auto or manual ? Auto have been cheaper (some will try and argue otherwise here lol)
I have a 16' 235i with low mileage CPO, and its nice security. (you are paying a premium for that warranty btw...warranties after used are much more expensive then when buying new...their cost about 3x as much)
Few on CPO site out your way - check for paint or wrecked, CPO does not guarantee that. Nice white RWD in San Antonio.
Good luck
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