Well in my opinion
Get a maintained citu idsi again, and if the city is actually maintained, then you will be the happy person on earth, i have used number of citys for number of years, and believe me i havent faced any problem ALHAMDULILLAH just periodic maintenence. Nothing else. Thats what a maintained city will treat you.
About mileage, in my view city is best 1300cc car regarding mileage, trunk, big car.
And you cant take workshops out from a car owners life, workshops and car owners are like , wo konsay daman ka sath wali kahawat hai ek.
Wohi.
Plus, you cant get everything in 10 lacs budget, there is always room for more.
What im saying is, if you just concerned about mileage, you have to skip something, like good ac.
I mean , then fo for cultus. Ac will be good in long routes, not in local.
If you are not concerned about mileage (that you are) go for swift.
But still you need everything, increase your budget, go for a maintened 2010onwards city.
Last,
A brother to brother mashwara.
The more you ask from others about cars, the more you are lost.
Do what you want/need.
These all are my experiences/words.