ok within the budget and price range, I can have a lot of
choices... my wife has ruled out the M5... too old, but I can get
that later.... 
The criteria now are:
Has to be max 1 or 2 years old.
Has to seat 4 adults comfortably.
Has to be fun to drive.
Has to be able to lug stuff... (this is maybe optional...)
We have test driven so many cars to date and still keep coming back
to a BMW, just what we are more comfortable with, yet, lexus
finance is very competitive at the moment... hmmm...
well the final list reads something like this....
1. E60 2005 525i M sport. Silver black leather. Full option
including sat nav and TV, mp3 player, bluetooth.
2. E60 2006 525i M sport. Silver black leather. Full option
including sat nav and TV, mp3 player, bluetooth.
3. E60 2005 530i M sport Wagon. Mystix Blue. Full option including
sat nav and TV, mp3 player, bluetooth.
4. 2006 X3 3.0 Diesel sports pack. LeMans Blue, black
leather.
5. 2006 X5 3.0 Diesel sports pack. Estoril Blue (individual colour)
20" rims, black leather.
6. 2006 X5 3.0 Diesel sports pack. Silver, black leather, sports
pack, 19" rims, full option including sat nav and TV, mp3 player,
bluetooth.
Drove the 4.6is x5, its a blast to drive, but I dunno if I want to
drive one everyday....