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.
Not putting miles on your Ferrari is like not f*cking your girlfriend so she'll be more desirable to her next boyfriend.