I think you are too worried about that 0-60. I have a stock TDI, which I of course would like to be faster (I'm about to get some bigger injector nozzles I think), but after more than 5 years, 102k miles, living in Chicago suburbs, Maryland, Arizona, DFW, and driving all over in between, it hasn't been a problem for me and my TDI. I'd guess my 0-60 is about 12sec. 90hp, 155lb-ft, and about 2800lbs... yeah, it doesn't get much slower. But most of the time I'm on peoples' back bumpers thinking "get out of my way!"
Speaking of the Audi A3, if I wanted a car payment that's what I'd be driving right now. I test-drove one and it was great. A3 2.0T with the 6spd manual and S-line, right around $30k. IIRC, from reading threads at vwvortex.com, most people get close to 30mpg on the highway, with a few doing a little better or worse.