IMO VW Polo is the car for you. It qualifies all the requirements mentioned by you. It has good comfort, solid build etc. My only suggestion to you is to remain away from Vista since it still has lots of rattling issues. Ask me, dad still has a vista tdi which is barely 7 months old, but has started complaining for one or the other issues every month and the service guys as usual are unable to sort every issue at a time.