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I have had my F20 for a little over 6 weeks, and have had no issues whatsoever. I bought the car because it is a significant improvement on my previous E87 / 1-series runaround, and I have driven it more in 4 weeks than I ever did the car we retired - its that good!
The car is covered under a comprehensive warranty, BMW are very good at honouring reasonable issues in my experience both in and out of warranty, you will be in safe hands.
Take it for a test drive first. BMWs drive quite differently from a Golf: same weighted feel but more direct in road-feel and handling (no point complaining about a 'hard' suspension later) so ideally suited for keen drivers. The F20 has comparable inner/rear room so you should be ok. Like in every marquee, the car's spec can make a big difference - a well-specced car feels better to drive than some basic spec 3-series!
£10,000 under list is a compelling proposition for a nearly-new 120d. Good Luck.
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