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Re: oh man, more choices!
Stay away from the S4 unless you have alot of money for maintanance. I was looking at exactly what you want, and the BMW came out on top. I did love the S4 interior but the BMW feel can not be beat. If your dead set on a S4, get a 2001.5 as you stated, because they have revisions, and will last longer. After all the research i just didnt want to deal with a twin turbo V6 with higher miles.
My insurance on my 95 M3 is around 90 bucks a month.
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