Originally Posted By: JOD
I realize you're asking for car advice, not life advice, but here's my real-life experience:
In my old job I had a big car allowance, a gas card, and a big geographic territory to cover. Lots of my co-workers throughout the country bought fat rides, on which their car allowance easily the payment. After 2 or 3 years, they had a 2 or 3 yr old car with 100-150K on it, worth a lot less than they owed. They then rolled that into another loan...and so on... It's the classic example of how to be really upside down in a car. I bought something boring, older, and reliable--for cash, so I never had this issue, and pocketed the car allowance for any repairs. It worked out well for me.
I understand wanting something cool to drive, after all you'll be in the car a lot. I also understand needing something that looks fairly respectable since you'll have clients in it--but don't overthink that one. There's nothing wrong with a rep being thrifty. I know a lot of CxO's who drive beaters, after all. So, the more decked-out version of a specific model would probably be more-than-adequate.
Given all you've said, I think a 2010 Fusion Limited, leather interior and all, 4cylinder engine makes a lot of sense (since gas is a concern). It's a bullet-proof car, presentable enough, and drives pretty well. Both the purchase price and the operating costs will be worlds cheaper than a euro sedan. It's also FWD, and while that may be more boring to drive, you're in PA and it's going to be better in the snow.
Best advice....I know plenty of folks who could write a check for some of the highest end cars who drive typical but nice regular cars. This comes off very financially responsible and sensible.
There are lots of nice mid-level cars that are quite luxurious and will suit your needs. I'd take a look at the Buick Regal, Ford Fusion (or sportier Mazda6), and Honda Accord Coupe. IMHO these are the best options in the mid-size segment...and all can be had with lots of bells and whistles, leather, etc.