In real world driving the 330D is very close to the 320D, in fact @ 80 MPH it's better.
I have service inclusive so NO extra service costs, tyre wear!!!!
I have never changed a tyre yet.
Insurance depends on , points on licence and location, my insurance is £450 fully comp which is good value to me.
I could not live with low powered cars as Mark has said, once your used to power it's hard to give up.