Subaru cost of ownership - R0 so far. Just get the longer maintenance plan.
Ya, the big issue I had with the BMW was the kak clearance and could only get the 2wd for the price of the Subaru.
I have since discovered that the Subaru is better than the BMW in its space, quality of finishes and its suspension.
I love the Subaru's make no mistake, but I decided on the CR-V at the end of the day, and never regret my choice.