You just happened to find $22k in gift certificates that's to be used on a 1995 M3 or a 1991 M5 (both w/ 70-90k on the odo). BTW: you have access to dealer's only auction, hence the low price.
You love how the way lighter M3's tackle twisty mountain roads like a rollercoaster from hell. How although there are cars that can go faster straight-ahead (like, for example a runway at the airport), they'll be seeing the oh-so-ever-smaller //M badge if they dare challenge it on the curves. You also love knowing that even more performance and gratification is only but a mod away. What you may be iffy about is that so many others own this same car- some rice, some not. Also, the styling and interior is just not up to the classic M5's refinement.
You love the M5's understated, teutonic style and the fact that it's not already owned by a dozen other gearheads in your area. You love how it's oh-so-easily mistaken for a 525i. You also love how the 315 voracious horses under the hood of this 4-DOOR (Yum Yum) propels you with authority; right past the riceboy's "look-fast-but-not-go-fast" coupes. And the interior? Luxury and sport in a harmonious marriage. What worries you is the fact that it's older and may be more prone to costly repairs - and how all that weight is not very happy when hairpin turning at superlegal speeds.
So, what would it be? The cutting M3 or the mighty M5? Your Pick.