Having owned both, I can tell you from experience that the early 128i and 328i you are looking into are almost bullet proof between 50k-100k miles (no electrical issues). The E90 platform (on which the 128i is based on) is solid as a rock. Things that you WILL spend money on with the Bavarians are electrical/supplemental radiator fan, upper radiator hose, shocks/struts, brakes, tires (especially rear tires!), oil changes, and window regulators.
The Upper radiator hose is dirt cheap, and I installed it myself, the Electrical Fan will run you $600, the Oil changes will be $60--$120 because its fully synthetic, and the Window regulators are $300/ea. installed. Not bad for a premium car. Other than that, the 128i/328i will run like a champ, and will be VERY low maintenance between 50k-100k miles, and the naturally aspirated 6 cylinder engines can handle a ton of abuse before they give you any trouble. Also, the clutches last FOREVER if you know what you are doing. Both of my 128i and 328i had the original clutch when I traded them in at 130,000+ miles.
The A4 is a good choice too, but you're better off getting a Certified one. This will cover the oil consumption issues, and any other engine components that have been known to fail on the b7 b8 cars (cam followers, pistons, camshafts, turbos, etc.). Also, the CVT transmissions have been problematic in the past, so you might be in for a terrible surprise when breaching the 100k mark. Also, regular maintenance will be higher on the A4, past 50,000. All the little things will add up in the end (and the are TONS of little things with VAG cars), so be sure to get a certified one. You'll be out $100 every time you take a certified audi in for service, but you'll get a loaner, and that's worth a lot.
So there, get the beemers if you are strapped for cash, get the A4 if you can buy certified...
BTW, I currently own a B8.5 A4, and I've also owned a Golf TDI, and an Audi A3. So I'm confident that I can speak
objectively on this issue.
PS-Here is a link to the cost of ownership on a new 2014 A4
http://www.motortrend.com/cars/2013/..._of_ownership/
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