Hi Jay.
I have been mulling over the engine choice for a little while now. I really appreciate your input, Mr B, but I am leaning more towards the 2.5 over the 3.0 mainly because of the running costs (fuel-consumption and premium petrol). Subaru's are already on the thirsty side, without a big engine, and I am far from rich! Also, like I said, performance is not important to me.
I know you said there are potential head-gasket issues, but I am wondering just how common this issue is ... I mean my parents both had a 2.5 in Australia and never had any issues.
Also started looking into Legacy Estates (I think the main difference is less ground clearance). I have found one ad, which ticks every box, and it's a good price. It is a 2.5, however, the timing belt has been replaced recently. It's also a '05 model, which will save me some dosh on Tax, as Mr B pointed out.
Cheers.