You have very good points - I just would like to add a couple of my thoughts. The H3 groud clearance is lower but still adequate, the H3 has extra undercarriage protection that just bolts on for about $350.00.
Towing capacity on the H3 is ok but only on the automatic version. The iterior space is smaller but really should be fine for 90% of the time.
So basically the price is the biggest point, both insurance, gas and the vehicle. I pay about $75.00 / month insurance on the the H3. Way cheaper than my Z3.
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