How can you compare the POS camry for 20K with the ultimate car, the 3,5,7 series. It starts at nearly 40K. Why would you live in Chula Vista when you can live in Carmel Valley?
Why would you want to live in Omaha, Nebraska instead of Manhattan, NY. Oh wait, the richest guy on earth lives there. A guy who have $1M in the bank and bought his Camry for cash and live in Chula Vista is in a better shape than a guy who lease his 328i and bought his Carmel Valley condo w/ 100% LTV.
Like FLU said, just wait 5-10 years and see which one is a POS. Let me know when you see a BMW w/ 200k+ miles on the odometer and require no more maintenance than the basic oil change.