Meh life's too short to worry about things like that. If you're selective with your track, and the organiser (some do busier days than others) you will have plenty of space to learn and enjoy the car. The odd trackday won't break the bank - I did 4 in my 3.0si and really got the bug - but aside from a proactive oil change, the tyres lasted remarkably well (important to keep on top of pressures so they don't overheat). The standard brakes are absolutely fine for the odd trackday too, despite what everyone says
The odd casual trackday a year should really not be looked at the way a lot of people work it up to be - you absolutely can have a lot of fun with the car in bone stock form, it only becomes expensive in mods and parts when you're chasing times or starting to tailor things to how you want the car to feel.
Don't be put off, if you're that worried you can get insurance from someone like moris or insuremytrackday for like 80quid which covers if you have a big off or a collision, and go enjoy!
Edit: just to add my 3.0si at the time was my absolute pride and joy and also my daily - I did 50k in that car in 4 years, and whilst it wasn't an M it was my only car so a fair commitment to track it.
I'm so glad I did though, I got to drive it really hard as intended and have some great happy memories of that - I'd have kicked myself if I hadn't gone for it.
Whilst the value of Ms may well increase and it may become a more serious consideration over whether to risk tracking it, I would always recommend doing it - they were made to be enjoyed in that way, to me denying yourself the pleasure of really feeling the thing fully lit round a circuit is just such a travesty!

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