The new models are due out in March I believe.
The new minis are a safe car, 6 airbags and the usual ABS, traction control, braking distribution and a highly rigid body make the MINI do quite well indeed (4 or 5 stars) in crash tests.
I think you'll find the current generation MINIs will not have a price drop for a period of around 6-12 months, by which time some '07 models become second hand. An '02 base model with not many additions could be bought for around $21k at a guess next year.
The main differences on the models by year are little cosmetic changes more than technological ones (eg, the headlights changed at one point).
The last thing you will have t consider is unsurance. After my mini incident, I was quoted $2600 for full comp. on an '02 basic model with NO upgrades (Okay, I'm a guy, so that adds a lot compared to what you'll look at

)
As a comparison, my current car is over a grand cheaper on the insurance for an 06 suzuki, with all the features of the MINI and I'm allowed to modify it (to an extent).
I'm not trying to recruit you to the suzuki world or away from the mini world, cause you've made the MINI decision, but my point is you could consider a much cheaper car for a 1 year run around (echo, barina) while you build the insurance rating up again, and in the meantime the cost of the MINIs will fall. You'll also be saving more too. If you're real clever the car you buy as a temp could be sold for what you pay for it!
