So I guess it must be new, Maddog. There are lots of nice options still, but for that much money I could get a couple used cars! And nice ones, too. For example a 2000 Land Rover Range Rover County (long body) with just about every conceivable option blue books at $18,230. A 2001 Cadillac Seville Touring Sedan checks out for $19,035. Nice, nice cars IMHO.
If new is the way you must go, check out the Chrysler PT Cruiser. Chrysler is a high-mark name and the car is a head-turner. I went on there web site and configured a PT Cruiser Touring Car with every option it had (except the moon roof which is mutually exclusive with the "light group", and the 6-disc CD player which is mutually exclusive with the Cassette deck) right down to a block heater, and it came in at $19,527.
You'd have to go slightly over 20,000 to get a Chevy Malibu with a V-6 (The best car in its class in terms of both fuel economy AND performance. Chevy hit the nail on the head with that one) but according to Car & Driver the HHR deserves a look and one with nearly all the options goes for $19,540.
A SuperSport Cobalt Sedan goes for $19,500. I think at this point it's time to go to the car dealership and drive the Cobalt, the HHR, the PT Cruiser, and anything else sitting around that you can afford.
PT Cruiser
Chevrolet HHR
Cobalt SS Sedan