Bangers do work! I bought one for work as I was clocking up +350 a week and found the cost of fuel hitting my pocket.
Going for a ZT160T will not make any difference to your wallet, false economy
If you want to stay within MG go for a diesel, I very nearly bought a ZT135 with all the toys, only to be put off by the mileage on it, was a bit too high, and I also loved the 180 more.
Pricewise for yours? They do vary, but £3k is about average territory, but then again are your cambelts due? If not done that will have an effect on finding buyers or except a knock down of around £5-600.
I sympathise with your plight, but think hard.