Thanks for all the info folks. To give a bit more background, our last two cars have both been 10 year old beaters with 200,000+ KM on em. So we've had our share of repair bills, thus part of the reason we're going for something newer and considering a little upfront insurance on the big stuff.
Obviously our experience with such old cars skews things towards the end of life on many components, but we've seen/experienced first hand how $200 here, $500 there can add up.
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