Running a BMW...only in my dreams and you're right, I'm full of newbie enthusiasm.
What's an Alto...wow, £45 a year tax, that's a bargain! The Stilo is too big for me though and not great on economy. Only get 35mpg when commuting as it's stop/start traffic all the time which is why I LOVE the bike. Plus I'd say commuting has given me experience that leisure riding just can't.
Kwak, I'm liking your style but not sure I'd raise a whole lot of funds!
As for you froglet dear - hop it!