Just a bit of context... I was oirignally ogling the 320i because the engine was a significant leap over the E90. However, after adding on the price of real leather and nav, i realised it wasn't much extra to go for the 328i from that point.
So in the end i decided to stretch for the 328i. I thought for the sake of a few $$$ i am at risk of making myself unhappy.
The toys/performance equation likewise killed the 320d off my list. I nearly went the 320d with the power kit.