I always pay cash, too! I don't have a commute (walk or bike to work) and live in a small town. I use my truck to go to the mountains or drive to the airport. I have a Gen 1 Tacoma.

I used to be a big fan of German engineering, but I'm afraid it is too stringent on maintenance records and specialty systems. If you don't change the oil at 3241 miles and check the wiper fluid at every 1001 mile interval, the car is going to blow up. And Jurgen will not care; you must read ze manual! We write ze manual for a reason!