FWIW, I set out to buy a used car (50-60K miles) 18 months ago. Between the low inventory of used cars coupled with the the higher finance rates, I ended up with a new car for the same monthly payments. Weird, but true. Don’t know if the situation has changed since, but it is worth looking into. USAA will probably give better finance rates than any dealer.
That's actually quite common these days. My wife gets a new vehicle when hers flips 100,000 miles. She's the one hauling the kids all over the place so I want something reliable for her.
Me, I find something 2-4 years old that's relatively low mileage for its year and pay CASH for it. Last time I did that, I purchased a three year old GMC Envoy Denali that originally sold for just over $38,000 in 2003 for $17,000 in June of 2006. It had 31,000 miles on it.
Best advice is to find a 2-4 year old vehicle and pay CASH. Never Ever pay interest. Period.