I did say the list price was 31k, didn't pay that, haggled discount and indeed is financed. I had a budget in mind and went over that to get the 125d not the 120d. Xenons weren't on the top of my list, I did get upgraded leather, heated seats, sun protection glass, extended storage and interior lighting, cruise control and parking sensors, also went for the upgraded sound system too, all of which make it a nicer place to be inside the car where you spend all your time
All in all I didn't get top spec and I will be handing the car car in trade for something of higher spec next time round when I have a bit more cash to put down.
I went from a previous shape 1 series 120d with negative equity to this so wasn't in a great position to start maxing the options on the car, ideally I'd have spent an extra £100 a month and got all the toys but wasn't within my budget.
The car is not to all tastes but it's NEW and it's a car I wanted, returned 55mpg cruising at 70 and will give me 0-60 in 6.5s when I want also.
Thanks for the comments I do believe there was 1 or 2 positive ones there somewhere.
StevenG