I hear ya. I used to drive 5-10 mph over regularly, but I stopped doing that towards the end of having the Neon. Too many people being jerks, and it was too stressful for me (ie, road rage), as well as not wanting to get a ticket. So I slowed down to driving a few mph over (so that no one can complain about me going too slow), which worked out since I ended up with the H3, which isn't anything close to a race car. My commute has become much less stressful, though it's amazing how many people seem to think I am still going too fast when going the speed limit and will be a**holes and slow down in front of me, or even slam on their brakes (yay Utah drivers!).
Another reason for slowing down was I got a dash cam (people are LIARS, you'll learn that all too well when you become a cop) and it'd look bad if I not only had proof of the other guy being an idiot and caused the accident or whatever, but of me speeding as well and possibly contributing to the incident. Now I can be all "I was going the speed limit like a good little boy, they were the ones being the jacka**."
I would still like to get a 5 series some day. It's a lot easier pill to swallow with their gas mileage now that I've been driving something that during the winter only gets 11 mpg (during the summer I'll get 14-15 mpg in the city). 18mpg+ in the city is like driving a Smart car now!
Your BMW really is looking very nice, I can't say enough about how good those new wheels make it look.