Your observation is correct, 76hp is sufficiently powered, have nice beige interior etc. But if you like black interiors, need some extra power on highway drive, like bigger 16 inch alloy, 90hp is the car for you. Small distance TD might not tell you much of extra power 90hp has. See if you can take TD on some open road and longer duration. For more city and occasional highway drive, 76hp is more than sufficient.