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Forget the 11k loan, I'd go for no more than £5k myself If I had too.
If the Clio is running fine and no problems, i'd keep it a while longer and go for #3. Cars just depreciate loads and changing is always a waste of cash.
I wanted DSG at first but it was typically an extra £1000 I couldn't justify at the time, I was glad afterwards after hearing about a few of the problems, but then some have trouble free motoring and love the DSG. Swings and roundabouts.
My dad is in love with his multitronic or whatever they...
I would go back to black (tee hee).
I'm thinking a 330 convertible for my next car though, and the white > black hands down.
Different car suit different colours more, Golfs looking amazing in that grey!
I do love Grey, but think I'd always choose Black over Grey, despite often liking the Grey more. Not too keen on Silver.
Re. - White being too common, it's still a lot less common than Black, it's just white wasn't popular before and has increased why it's being commented on these days. I...