The 3 is definitely nice and has lots of features. Drives pretty nicely too. I think the Si feels better to drive but it's ugly and doesn't have the nice doodads the 3 can be equipped with like xenon headlights. If you leave out the leather and navigation it's about the same price as an Si but has the xenons, tire pressure monitor, 6-disc in dash changer, and side curtain air bags which are all nonexistant on the Si. But umm...the only way to get the 3 up to $21k is to order the navigation system. I still might even pick the Si over the 3 because it does drive better in spite of the extra features the 3 has.