The insurance factor is where many people go wrong. If you mod your 328 with forced induction and other performance mods, you have to tell your insurance company about them in order to get them insured.(This is, after all, the point of insurance: protecting your investment.) By telling them, your insurance will go up. Your insurance would most likely be more with a FI 328 than it would be with a lightly modded M3. I'd say get the M3, put all the mods you can on it without FI, and you will be happy. Then if you want to sell it later on, just take all the bolt-on's off and sell it as stock.
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I love scotch. Scotch scotch scotch.