When I first started scooting to work after scrapping the 2nd car:
"Man, I just traded up trucks and refinanced. Now my payment is only $250 a month, and it's a little better on gas. Really only costs me about $600 a month to drive it. If I don't trade up this time it should be paid off in 5 years."
Me: I paid 1500 cash for my scoot. it gets 65mpg (note, this was a smaller and oft abused 50cc), I don't put plates on it, and the insurance is $100 a year for full coverage.
Now, this gent does use a truck, perhaps 15x a year, so, totally justified, right? :P