My coworker has spent the last 8 weeks shopping for a car while at work. I'm not sure what kind she finally settled on but it's a "good deal" for $38,600. Talking to her during these last 2 months of shopping, and hearing about how stressful this search was, she mentioned one time they would have a baby in the next 1-2 years and another time a baby in 3-4 years and then at that point she would need to upgrade to a SUV for safety. So sometime in the next 1-4 years, she will need to sell this car and buy a new expensive SUV. I tried to talk her into keeping her current car-2009 VW Jetta with only 50k miles on it-until she has a baby and is ready to upgrade as it would relieve the stress and save money. "I don't like to run my cars into the ground," was her response.
She also mentioned how she was going to go for the longer financing term because, "What if something comes up for $200, that lower payment can make a real difference."