I just traded my financed Forester for an outright-owned 06 Scion xB yesterday!
Have you considered other places you drive? We just worked out our car costs based on moves to 3 potential locations. I listed everywhere we drive (work, groceries, classes, etc), mapped each on Google for distance, counted the number of times we make those trips per week on average, and it was very informative. To the point of my question, trips other than commutes made a significant difference. In one location, I could bike to work, but my wife's regular class would have been so much further away as to make it actually more expensive.
My spreadsheet column headings (with costs figured from having calculated our $/mi in another table):
Destination A Destination B Distance Round Trip Cost/Trip Trips/Wk Miles/Wk Cost/Wk Cost/Yr