No one can guess how much this will loose in 2 years, because things in this market are highly unpredictable.
Wagon R behaves fine at high speeds, its just a myth that its unstable, for a 1000cc, its alright.
12-14 lac is a big budget, priorities matter.
But yes, you only live once, and if you love it so much, you are young and can afford a little leisure so go with your heart, difficult to say when you might get to enjoy that luxury again