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Your points cover a lot of vehicles, not just Ms.
Countless threads have shown that accounting for inflation, the current generation of M cars are no more expensive than their predecessors. At the same time, performance and features have increased significantly.
Wages not keeping pace is a separate issue, but that’s more likely to be an issue for people that couldn’t previously afford an M car.
Complexity is a sign of the times, in the pursuit of ever higher performance while adhering to increasingly stringent safety and environmental regulations.
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