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It's a fun dilemma to have and one I may seemingly be in as well down the line when prices hopefully come back to "normal" and there are actually 550's in my area to test drive.
I really am only looking at a couple factors here and they would be price, and if the difference in the 550 premium puts any strain on your finances. Gas. You'll probably get about 8-10/mpgs less with the 550 so if that's no bother thats another box checked. And straight line power. The additional torque you will for sure notice on acceleration but I wouldn't say it's mind blowingly different between the 540 in sport. Once you hit cruising speed there's really no diff. And the handling on the 540 is absolutely superb for any "racecar" situations you put yourself in on the street.
I'm just about a year in and can't say I have any buyers remorse on my 540. Like many above said that extra power never hurt anyone but for daily driving situations I wouldn't say your conceding much going with the 540 v 550.
Good luck!
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Archie
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