just keep it simple. I believe you are trying to look from lots of different angles.
1. If you run is low (which is true), pick up a petrol
2. Just walk around and see how are the dealers at and near your area, especially the Service centers, which will help you make up your mind.
3. A new car, if driven properly should not have a high maintenance. A few 1000 bucks extra every routine servicing (which would be almost an year for you), should not be a pain.
4. If deciding b.w 1.2 and 1.3 punto, well 1.3 any day. 1.2 is underpowered and what is the fun of buying a 5.5 lac+ car and compromising on atleast the basics.
Edit: IMHO, VW Polo is also a good deal. It will stay with you forever. And please dont mind me saying it, but if your run is low and you are not a driving crazy, 3-pot or 4-pot doesnt make much of a difference.