Td5 goes heaps better, believe me but its also the first one with electronics. 200 & 300TDi both have 83kw and the TD5 has 91kw power, they have 255Nm, 285Nm and 300Nm torque respectively - according to wikipedia anyway.
Yeah, its not an insignificant amount of money and its nice to hear someone your age actually thinking it is a lot. Too many young people think they need to pay a fortune.
Mine is stock standard height and I've not really had any issues with clearance and approach/ departure angles.
Don't get sucked into thinking you need all these expensive mods - as soon as you start jacking the car up, you'll introduce more problems and it'll cause more expenses.

