Paul, you are exactly spot on about the 525d, thats exactly what our dealer told us when we bought our 520d. We bought our 520d M Sport Touring new on 56 plate and it stretched us some what on budget, however we were tempted by the 525d but it was 3k more, the dealer told us that it wasnt worth the extra due to little more power and worse economy. We would of loved a 3.0d (maybe one day). It stills tows really well, although the detachable BMW fitted tow bar cost a bomb, but because of M Sport styling the rear spoiler etc needed changing to accomadate.