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I am sort of in the same position.
I currently have a 540i, which I absolutely love. My lease will be up in August 2021. As we don't get the 550i here, if I want to upgrade I have to buy an M5, which I can't afford.
I have asked my dealer to give me a M340i for a test drive. The biggest feature of teh 5 for me is the ride comfort and interior quality. I can do without the interior quality to a point, but I fear the ride quality will be hard to get over.
15 years ago I would not even look at something like a 5, but now my requirements of a car has changed quite a lot. I am over handling and outright performance and prefer luxury and effortless performance.
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