Have you considered a VW Passat, 3.2L V6, 4motion ? Down on power a bit from what you spec'ed but reasonably adequate. I think about 176kw. Got 6 speed double clutch gear box. I got a 2007 wagon version. The saloon version looks ok but you also get the CC version with more sporty lowered roof line. It is very comfortable and fast enough to give my son a good run for his money chasing his Skyline GT at Ruapuna raceway.I was passing him at 180kph on the front straight and the brakes are quite good for about six laps before fade sets in ! Gets about 11.5L per 100 round town and about 7.5 to 8 cruising at just below " officer interest speed" Tows our 16 foot boat easily as well. For 20k you should be able to get a good 08/09 model.