I agree that coilovers are the ultimate, and they should definitely be considered. For me, a little overkill for just my street driving, the H&R setup handles well enough, lowers enough. Your scenarios make sense.
I took the $300 savings and put it toward a UUC TSE3 exhaust, plus got a high quality tint job on my windows. More funds and the decision might have been different, but I'm very happy with my choice. As I always say, to each his/her own.
John '06 330 Cic ZHP
ZHP Performance Package, Cold Weather Package, Leather, Jet Black/Black/Black Cube, NAV
AA Tune, Sprint Booster, BMW Perf. Intake, H&R Touring Cup Kit & Spacers, UUC TSE3 Exhaust, Dinan STEP software, TMS Pulleys
DICE Ipod, Parrot/Connects2 Bluetooth, StealthOne Valentine Module, Hardwired V1
BMW Performance Strut Brace, Orion V2 Angel Eyes, No-holes License Plate, SMG Paddle Shift Mod