My friend i was in quite exactly the same position as you till about 2 months from now.I did not know what to do even though i wanted to buy a Jaguar.I did get some discouragement from some people and i almost ended up getting C320 sport......but thankfully now im a happy owner of a late 2000 Black/Black S-type 4.0,Sunroof,Premium sound+6 CD,Navigation system,Voice command,heated seats. I love the drive even though i just wish it had more torque and was a bit faster.It has alot of grip which is vital for me even though the suspension has the tendency to transfer alot of the shock to the passengers if you happen to drive on a non-smooth road or holes n that kind of stuff.I do not think you can get more style and attention for that money so it is definately a big if not the Biggest bang for the buck.
The biggest and the only problem i have had in my car is the fact that it gets dirty all the time!!!(its black)
PS: i would be glad to answer any more questions as i know how eager one can be....if you scroll back i was asking questions the exact same way as you are about 2 months back...get the Jag man!