if its mainly town driving buy an 86, if its a bit of mixed motorway and town driving get the 106.
86 is much better around town with very little turbo lag, infact you wouldnt know it had a turbo, it just pulls smoothly and strongly from the minute you put your foot down, 106 has loads of lag but comes in with quite a punch! not ideal for town driving though!
they are pretty bullet proof the newer ones, dont let millage put you off, try and find a Dynamique S as it will look the part and help resale however your budget is tight so might have to go for dynamique or expression models.