Will try not to hold the P-Car habit against you! Welcome Tarkus.
I think the caveat is the OP's original budget, coupled with his relatively "short" term / low mileage in these cars - specifically the proposed F-Car.
For those parameters, it might be best to get a 360
(one which has recently had the belt service done on somebody else's dime). That way, it's likely he could pick up a NICE example within budget, and only really have to pay for annual maintenance service (fluids), notwithstanding the other usual costs of ownership (fuel, insurance, etc.). Pushing the belt service off on the previous or next guy would save this buyer some coin.
Also, on the selling side, he's less likely to get killed in depreciation this route because the 360 prices have become quite a bit more stable than the F430. I believe the F430 has a few more years of depreciation left in it.
That said, the F430 is a more advanced and powerful, newer model Ferrari
. These are not subjective metrics. If you can swing maybe $10k more, you can be in a REAL CHERRY F430 coupe. Some F430 coupes under $130k are pretty awesome. But, beware, the downside loss on selling the car might be more steep with the F430. Inevitably, there will be some folks who chime in that depreciation shouldn't matter in this transaction, but ultimately that's up to the buyer. To me, depreciation matters, and I think with a shorter term, it should play in a bit too.
In this case, it might be prudent to START
the research process in the 360. Take a test drive in a 360 as well as an F430, and that should help make the decision pretty clear. For me, personally, I
can justify the extra cost to take home an F430 over a 360. If you go for a 360, maybe beware of examples with extraordinarily low mileage. Cars with mileage more in the sweet spot tend to run really well, though their mileage may be considered "high" relative to some of their counterparts (because people have a stigma against driving F cars for some reason). It's just a guess, but I'm thinking the sweet spot mileage for 360's on sale is in the teens-thousands to twenty-thousands (>10k, <30k). Hope I'm not too far off base there. Personally, I don't think the "premium" assigned to 360's with <10k miles is worth it. But that's just me.