“...But the expense of maintaining a car now is complex technical parts. You almost HAVE to have a warranty - which you get with a new car and can usually negotiate a price on a long term full warranty in a new purchase....”
____________________________
This is not true. We drive 600 miles/week to work. That’s 30,000 miles/year. Every morning we get into our 2012 Ford Escape little 4 cyl and make the trip. I do oil changes and routine stuff. The car has been paid for now 7 years and sometime during the week after next it will hit 200,000 miles on the clock. No major problem unless you count the fact that it doesn’t impress strangers in the WalMart parking lot. Have a nice day.
“You almost HAVE to have a warranty -”
They sell you the warranty because they expect that they will pay out less than you pay in. Skip the warranty and pay yourself the premiums for that rainy day.