I knew you'd get a negative response on here so here's a little balance.
I bought mine in March 2008. It's the Dynamique 100bhp model.
I bought it with 80k on the clock and it now has 159,900.
I have only done routine maintenance and replaced wear and tear items. The major ones being a new timing belt and clutch. Lots of suspension components.
Slow is a relative term. Mine is 10 seconds 0-62mph and in gear is better than that would suggest.
Certainly capable of mixing it with your average rep mobile, problem is you'll always get tailgated in a clio.
I find it very comfortable as long as you don't intend to cruise above 80. Refinement is ok, my pal with a 57 plate Golf GT diesel reckons it's more refined than the pd engines.
70mpg is a real possibilty if you drive carefully cruising at 65. Cruising at 70-80 you are looking at 60+mpg still.
As mentioned, the sunroof surround lets in water once perished...easy fix for pennies.
I bought it originally as a 3rd car to do miles in. Apart from the wifes golf we had a V8 Audi S4 so on that basis would pay for itself in 18 months. Since then the other cars have changed, I now have Mercedes CLS and my VX Turbo went in November. Planning to run only two cars for now, so thinking of a four seat diesel cabriolet. The fact that money is not an issue but I haven't been desperate to get out of the Clio speaks volumes.
There is a.strong argument however that.if you dont do many miles then your options are greatly increased. People get too hung up on car tax and fuel economy when they do low miles. In the Clios defence it drives far more like a petrol than other diesels I have driven. The torque delivery is quite even right up the rev range.