Yep this is definitely the case. It's probably the thing I dislike the most about the TD5. The pumas are **much** quieter inside. I'm not sure how much of it is no vents, insulation, or just a quieter motor.
Anyway, we have a 4.5 year old Td5 that is now super well set up for what we want so I can't see us changing any time soon. There is so much time, effort and money in setting them up well I think it's worth investing in the newest one you can find, setting it up and keeping it. If you are one that doesn't need to mod your car then things may be different.
If we had to start again I think we would either do the same thing again (buy new) or try and get a second had TD5 that is already set up. I don't think I could justify buying a 3year old td5 and setting it up as you don't get as much value out of your mods.
As to the suitability... I'm watching their reliability with interest.
I was amazed by Dm_td5's trip in his puma and the number of dealer visits he had along the way. We've never needed a mechanic or dealer on our trips (touch wood)
As I've had it explained to me, the puma is common rail direct injection whereas the Td5 is just direct injection. It would appear that the common rail system isn't as tolerant of water. That's a worry that can't easily be fixed. Also, blknight said that some of the bits aren't as well placed as on the td5 for offroading.
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