I drive a 2015, 328 awd 4-cyl gasser. My sister-in-law had a 2002 BMW gasser for 14 years (very few problems, none significant) and I also traded a diesel VW just before the emmissions scandal erupted.
A couple of questions for you. Why does the diesel attract you? Is it torque or a wish to get higher mileage? How many miles do you plan to drive it each year? How many miles in winter conditions and what length of trip?
If it's torque, then I find the 328 gas motor plenty powerful, and I've been averaging 32 mpg. You'd have to drive many miles to save money with the diesel. Perhaps you will, but do the math. Yes, the diesel does have more grunt driving around town, and that is fun if you do a lot of urban-suburban driving.
A couple of things about diesels: Diesel fuel is expensive and it can be a real pain to find sometimes. I live in "corn country" - the Midwest, where diesel pickups are everywhere, so diesel and biodiesel are easy to get. Even then, at a busy gas station, there are ususally 10 gas pumps for every diesel pump. Drive in a place where there are fewer diesel pumps and it can be a major pain to find an open pump. Pickup owners take their time filling huge tanks, then filling equipment hitched behind the pickup, etc. (I once waited 20 minutes in Michigan for an open diesel pump.) And, with a BMW's fill on the "wrong side" you are at a further disadvantage getting to a pump. Truck stops feature enormous spigots that pump fuel at an astounding rate. One slip and you have diesel all over you, the car, the ground. Ever tried to wash diesel fuel off your hands, your shoes? It's hard to do. I always wore gloves when pumping diesel becausemany diesel sellers do not clean their pumps. So, they are encrusted with fuel that gets all over you. Spilled fuel sticks to your shoes. I am not a fussy person, either. It's just a downside to diesel.
On short trips, diesels don't get very high mileage, particularly on a cold engine.
There are people who will drive nothing but a diesel. I found the costs not worth the hassle.
I also think you should seriously review your feelings about money. If premium gas seems like a waste of pennies, is a low-volume luxury car a good fit with your sense of economy? I am not being critical, either. I value economy. Owning an expensive car is going to be expensive. That could ruin the experience for you.
Here's a suggestion to consider: Become a member of BMW car club of America. Read the wonderful magazine you'll get each month, and you'll learn a lot about what it's like to own a BMW. All the fanatics write in, and you'll get the good side, but you'll also read about the downsides. Then, if you decide to proceed, you can buy a used BMW from a member who has lavished care on their bimmer. You'll get a better used car and a better shot at avoiding those punishing repair costs that can occur. In the meantime, while you consider, drive a used Mazda 3 or something fun that is also reliable and economical.