Ajay,
I've enjoyed reading through the thread and find your enthusiasm for Brio infectious :) I'm considering a VX MT too and need help in deciding if:
1. I should skip the dealer's teflon coating/anti-rust offer coming at Rs6557...supposedly with a 5-year warranty--read against another thread that the owner was happier with the anti-rust job done by 3M?
2. a White Brio would be high-maintenance as per your (and @Only's) view--my previous 2 cars (800 and Alto Lxi) were red and much as I'm tempted to stay with the glamorous Red, my teenage son would rather see a change of scene, and I find the White Brio's rear making a style statement too :)
3. the OTR quote of 5,78,643 is good enough to live with.
The break-up is: 5,38,000+20,140 (regn/tax)+6,250 (polishing/handling)+ 10,250 (RSA/extended warranty)+6,557 (anti rust/teflon)+2,446 (0% depreciation insurance plan as the basic annual insurance of 14,524 is free)-5000 cash discount.
4. the offered freebies of mudflaps, mats, gear lock are generous enough?
Appreciate help in thinking this through!