OP is questioning everyone's selection like it's the wrong thing to do. Since I don't feel like getting interrogated, I'll make it simple. I'd buy a Civic because the OP is so anal about fuel efficiency, maintenance and insurance. It would have to be an Si though. Not a fan of super soft suspensions. If I'm feeling ballsy, I might go for an Evo.
Now, if I wasn't being a Jew with my money, I'd buy an E92 335is or an F10 535i M Sport.
2004 BMW M3 6MT - B&B TriFlow section 3|AP V2 headers|AST 4200|UUC EVO3 SSK with DSSR|ZHP knob|Orion V4|Matte Black kidney/side grills|19" VMR CSL reps|245/275 Continental ExtremeContact DW|Track stuff: 9" square style 67|275/35/18 Nitto NT01|Schroth Quick Fits|PFC 08 & 01 Pads
2014 VW GLI 6MT - APR stage 1 tune|CTS Turbo intake & 3" downpipe|ST coilovers