[QUOTE=unwashed brain]
RNATB, you’re living up to your user name with your BMW comment - the cheapest 3-Series sold in America starts at $32,700, and BMW is notorious for nickel and diming you for each and every option.
[/quote]
Though I do appreciate your input (and everyone else’s!), I think you’ve set your snark level a bit high for this thread. As a matter of fact, I am looking at the BMW 3 series but am a bit put off by the fact that it’s so entry level. Do I want to stretch my budget for that car? I’m not sure. I’m also looking at the BMW 1 series, which is getting good reviews for performance and mixed reviews for style/appearance, and raises the same questions for me as to cost. I’m also looking at (and at the moment leaning towards) the Accord coupe, which doesn’t present the budget issues for me.
The thing that shakes up the mix is the current financing. I can get a BMW 3 at 0.9% financing. Looking that the (cheaper base price) BMW 1, with no dealer financing so bank financing of, say, 7%, and it’s actually cheaper over the life of the loan to get the more expensive car. The Accord finances at 3.9% and is certainly more comfortably in my budget.
As to other suggestions: I want to look at the Volvo and the Acura (and find out about incentives/financing), so thanks for those recommendations. I probably wouldn’t go with the Honda Civic only because that’s the car I’m moving out of, and I’m looking to take a step up (or two, or maybe just half a step). “No” to the Mini-Cooper, cute as it is, because I have safety concerns based on size and am not sure it would be comfortable for the driving I do. VW: I have maintenance and reliability concerns and frankly am not looking at them now because I think they look like great cars and I don’t want to fall in like with a Passat and talk myself into an unreliable car. I might revisit that, though. Saturn and Hyundai don’t represent the step up I’m looking for (not at all knocking those who drive them); Subaru and Caddies just don’t speak to me, though I’ll take another look based on this thread.
Thanks so much! More discussion and suggestions of course welcome. 
ETA: Prius is a “no” because they (Toyota) don’t deal on them at all, and because the gas cost savings over the life of the car doesn’t equal the premium on the price. Though that may be changing or have changed since gas prices have doubled, I don’t know. Anyway, you basically have to pay full price, order one, and wait, and I won’t do that for a car I’m not in love with. I’m not in love with the Prius