We bought the car outright, actually, 5 years ago. But replacing a 2008 with a 2013 means we just had to pony up the difference between the "total" and a new one. Still, likely as good or better than we'd negotiate a trade-in, but we tend to drive cars a long time.
Regarding her being OK... yeah, doing the calculations made me realize just how brief the interval between a bad fender-bender and a hospital (or morgue) wreck is at those speeds.
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"Government, even in its best state, is but a necessary evil; in its worst state, an intolerable one." — Thomas Paine
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