well .. i also went from this phase .. as this bank policy makes us ending with very less options ... ..
first i would say .. you ve lots of confusions in your mind .. as u have written only BAD POINTS of cars ..
i mean .. consider ecomomy ... what u can afford as i guess u will be driving that for next 5 years .. etc etc
i end up buying CULTUS ... yes it has some bad points like low built quality etc ... but i found it very economical on CNG ... i never hesitant to take this car to anywhere in town as i can afford it .. and also not found of going to mechanic so far ..
handle car with care and always use genuine parts with NO JUGAAR for desi mechanics ... it last more