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I would definitely go for a turbo if not a 5 speed. My '93 850 with 170 HP is a major disgrace. Try drive one up hill (10 to 15 degree, incline, I think) with three passengers. You would want to jog.
I am keeping mine since completing all the major and minor maintenance. I drive gently not putting much pressure on the automatic transmission.
I would look around for a turbo for that price. However considering dealer warranty, you may have to get that price from private owners. Someone on this site got a '94 850 turbo for $4k, I think it had 140k miles.
I also Agree with Rob about service record. Dealer prices are always high, might as well make sure all main bugs (test AC thoroughly, common evaporator failure cost $1200 and definitely, definitely the rear main seal $600 - $900)
Ronjon
'93 850, 128k miles
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