I'm content to make payments on my daily driver reasonably loaded Escape SE @ 0 down/0%/60 month Ford Financing bought new in 11/2013.
Still have the high-miles F150 5.4 trailer-towing-cargo-hauling XLT bought new in 2005 @ 0/0.9%/60 months - didn't mind those payments while they lasted either.
I take care of 'em and keep cars a long time (that's key) - I'll continue to gladly use free/near free new-car manufacturer money which seems has been available sometime during each year for decades. Seems that's less a function of economy/prime rates - more a function of the incredibly competitive car market (but yeah, things could change).
With my maintenance and care the vehicles stay nice and I think the life-cycle cost works out OK - there's lots of years with no payments between purchases. I don't spend for over-the-top PM ... follow OEM intervals, use OEM filters, Mobil 1 from Walmart, tier 1 gas, OEM-type aftermarket wear-items; I don't use trick additives and don't buy 'super fluids' like Amsoil / Royal Purple, etc ... knock on wood, I've never had a big-ticket component failure.
And no, I don't think I'd find any offsetting enjoyment in driving a beater - for me the enjoyment difference between a beater and a very nice older model I've maintained is significant.
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