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I have a M3P and a MYP so from my experience the 3 is a lot more fun to drive I like it more then the Y so I use it for daily commute but on weekends the Y is more functional as a family and trip car the Y is nice on the long straights HWY driving but on winding roads the 3 handles better
BCAA is not always the best option I got a quote from them and it was around the same price as ICBC and like you said I could have saved a little if I joined their membership but think it was only a $200 difference between BCAA and ICBC