We were in a similar situation and ended up with a mondeo. Got the 2.2 diesel. I’m really pleased with it so far. Only had it for 15k miles so can’t comment on reliability though.
For me the 3 series was the best to drive by a distance of those we tried, as so many others have said. But it is a much smaller car and a lot more money.
We also didn’t like the passat to drive. Interior nice but a bit dated. I liked the Honda but my other half didn’t like the interior and they were harder to come by as well. I also liked the Saab 9-3. A softer ride than many, leather is in nearly all of them and they’re amazing value. The Volvo V50 I disliked – very plasticky inside and just didn’t feel well built – and the V60 is expensive.
The mondeo drives really well. Handles nicely considering its size. Pulls like a train and is solidly built and quiet. But what sealed it for me was the spec for the money – DAB radio especially, which at the age we were looking at was common in fords but not elsewhere.