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I am in the exact same boat in terms of decision making but with a slight twist. I own a 2014 528i that I am really happy with but am kinda bored now and want a new car. I dont lease so my choice is either keep the 528i since its current market value would be like $10K or less and buy a fully loaded m340 xdrive so I get best of both worlds or to avoid having two cars I can get a comparable spec'd m540 xdrive but that will be roughly $10K more than the m340 and less powerful. Honestly, this maybe my last ICE car so I want one that I can keep for 7-8 years and keep leasing an electric car to kill the boredom. I do agree that the comfort level is just so different.
My wife has a 2014 sport 328 and the seats in my 528 (multi contour) is just so much more comfy for long drives. I have lower back issues and I have driven my 5 series straight for 10 hours with just one 10 min break. I am waiting for the 2021 m540 to show up on bmwusa.com to compare pricing. If the price delta between m340 and 540 is less than $10K i may just go with the one car model to avoid double property taxes, inspections, oil changes etc.
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