I am in the same situation as OP - not a girl but looking for something four door, second hand, around 8K etc - I am still undecided between Focus, Mondeo and Volvo S60.
creme egg, from my research so far
* Ford Focus / Mondeo (Pros: spacious, comfortable, really cheap to maintain. Cons: Boring, everyone has them, uninspiring, poor spec unless Zetec trim)
* Volvo S60/S80 (Pros: safe, very safe, very very safe, luxury comforts, good looks. Cons: could be expensive to maintain, larger engines, taxes etc)
* Toyota Corolla / Avensis (Pros: bullet proof reliability, predictable. Cons: Boring)
I am leaning towards S60 at the moment myself, purely based on the comforts (dolby sound system for instance..! ) ... but I might end up with a Focus / Mondeo...
Not sure what you're looking for from this post. You've summarised pretty well, so surely it's up to you what priority you put on the good/bad points?
One thing I'd throw into the pot to consider, though, would be the amount each one depreciates. It's often the highest cost of motoring, but frequently ignored.