Which planet are you from?
VW servicing costs have in real terms become quite reasonable and changing a cambelt/water pump needn't cost the earth as dealers price it quite competitively now and they even price match in their locality.
And as for buying an Alfa Romeo as a first car.... and describing them as reliable is a joke.
Oh dear, a VW fan I've managed to insult, oops.
Fair enough, VW will price match, but their work is over priced in the extreme in general. £85 an hour labour rate!
Alfa Romeos are stunningly reliable. In the last few years I've owned 2 Alfas, a 155 V6 and a 2.0 156 Selespeed.
The 155 took only regular servicing over 3 years and was fab to drive. No electrical faults at all at any time. The 156 I've had for 2 and a half years. It has also only needed routine servicing and a replacement clutch operating pump at 82 thousand miles for the sequential flappy paddle manual gearbox.
I'm 30 and fully comp insurance is £320 for my wife and I together.
Alfas have a bad name for reliability because a LOT of people don't follow the service schedule or maintenance guides.
Oil level check every week to 2 weeks, and a service every 10-12K or each year. In a BMW or VW you can go over this and you'll be fine, in an Alfa it will damage the car.
Back to the question of what car to really buy as a first car, I'd heartily advise a Ford Ka if you can get away with a 2 door. They are excellent cars to drive, very nimble, insurance group 2, and very forgiving. Great brakes and superb grip on the 15" wider width alloys. They are like a go-cart!
Yep, I have had one of them too! Best car I've ever owned for nipping about in traffic, doddle to park, and the ones with the grey plastic bumpers are extremely forgiving in car parks, next to walls etc!
Just my view!
A