You say stress several times and it is clear that cars stress you for a variety of reasons and I empathize. One approach to rationalizing the idea of driving a car into tthe ground and reducing stress is understanding that a car is a platform. If the platform remains resilient, a big if, then you can go on and on with the car. Most things on the platform wear out. Brakes wear out but you wouldn’t think of getting a new car every time you need a brake job. The same is true with AC, steering, alternators, even seats and stereo systems. In my life, I have kept cars as long as the engine didn’t burn oil, the transmission was repairable/all I needed was a new clutch for my 5 speed, And I didn’t mind if I was driving a 10-year old car. Repairs for things like transmissions can be expensive so my rule of thumb is not to spend more on repairs than 3-4 car payments would cost. Just traded in a 2006 Honda with 177,000 miles. It was in top shape but I was feeling antsy. My son has the same kind of car with 250,000+ miles. He is spending too much on repairs and has a new car on order. Last point: If the platform is rusting out from underneath, do not try to prolong the inevitable.