I purchased my 2006 used Mini from Toyota Camelback about 3 years ago. Since then I've taken my mini into the dealer about 4 times for various reasons.
My rep, Devin, is always very helpful. Mini has always provided a loaner and the service is always very quick. Under warranty, everything was covered which was awesome. Once my warranty ran out, I still received quality service and quick turnaround times.
Labor may be more expensive but the savings in the loaner, the hassle free service, and the quality of the service makes it well worth it.