Well that is above average mileage to the tune of an extra 5k miles a year so extra maintenance is expected. As for luck well I wont get into that much other then a wheel bearing at ~100k is borderline bad luck . Like I said the best way is BY FAR buying outright. You pay the price of the vehicle and not price + interest and you dont have to worry about fees for driving too much or incidental stuff like a ding in the parking lot and the possibility of the car being taken away from you mid lease. All I can say is I have been car payment free since january for the first time in 4 years and I must say it feels nice. Granted I too have a 103k mile jeep (inherited at 99k) and the 60k jeep I paid off is gone, but I have a solid vehicle and money going straight in the bank. Does that mean Id recommend buying an older rig like mine to rid themselves of a payment? No. I got the vehicle for free and I knew if came from a good home, despite being drivien hard, it was meticulously maintained. The problem is finding a decent used vehicle for a good price thats worth the investment, but I think in shroom's case its either payment or beater (currently the case Id be in if I needed a new car).