Let's do a very rough calculation. Assume petrol is £1.35/litre and diesel is £1.40/litre, and Goofy will travel 10,000 miles a year.
My last petrol car averaged around 25mpg and my last diesel, with similar engine size and performance around 40mpg.
If Goofy buys a petrol car which does around 40mpg he could expect a diesel to do around 65mpg, assuming the petrol/diesel fuel consumption ratio is similar to mine.
10,000 miles at 40mpg = 250 gals of petrol at £1.35 x 4.54 = approx £1530.
10,000 miles at 65mpg = 156 gals of diesel at £1.40 x 4.54 = approx £995.
Thus the fuel savings on a diesel car are approx £535 a year, taking just over 4 years to break even with the extra cost of the diesel engine.
So, if Goofy plans to keep the car for more than 4 years he then starts to save over £500 per year in fuel costs; the more fuel prices increase the more he saves on fuel.
If he spends as much time as he says in slow-moving traffic, the exhaust system will get hot enough for the particlate filter not to be a problem.