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Not sure why OP is dismissing a used M3 if that what he really wants. You can buy a used M3 for the price of a new 135i, get more car for your money, and have the luxury of already having the major depreciation hit taken (i.e. the used M3 will likely retain its value much better after 3 years of ownership than a new 135i).
To me buying a used car makes much more sense than either of the 2 scenarios the OP suggested.
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