.. Now that I think of it, the future retail value of those cars may be much lower in the northern states. ...
Have you looked for any Jettas / Passats / Touaregs that are 5-6 years old, and are diesels?
Number 1 - they are hard to find, and I think that's partly because owners hold onto them for a long time
Number 2 - They WILL be higher in price than their gas cousins. ALWAYS. The future retail value of these cars will definitely be higher than their gas cousins. There's no doubt about that.
You also spoke about lack of water separators. I just looked in my Touareg manual, and interestingly, there is no mention of water separation in the manual. HOWEVER, modern day diesels MUST have water separation, because the high pressure pump just doesn't like to compress water. Add to that, that all diesel fuel most likely has a
little bit of water in it, and you have to have a way to get it out of there. Apparently, VW has a way to get rid of that water without it being an issue.
I live and breath diesel, but you didn't even mention the worse thing about diesel. The fuel pump. I love the smell of diesel as well, BUT I don't like it on me so much, because once it's on you, you smell like that for days, it seems like. BUT, at the end of the day, there's an easy easy fix for that. Just throw a pair of clothes into the vehicle that stay in there all the time, and then, no matter where you go, and no matter how nasty dirty the pump is (and it will be), you have a pair of gloves that you put on. Diesel on the gloves, and not on you.
Along with SamTrooper, I too think that you've already convinced yourself that a diesel isn't for you. Modern day diesels are just like their gas counterparts. You get in and drive. And, like he said, adding AdBlue is really like adding washer fluid. It's another thing that you have to add occasionally. The car tells you when you need to add it, just like washer fluid. No big deal.
Unfortunately, I think that there a lot of people out there that still associate diesel with the 80's era diesels. Those vehicles really only had one thing going for them: MPG. Beyond that, they were everything that people said they were: loud, stinky, smokey, and slow. Modern diesels are none of those things. They are really no big deal...