As I said, you are in the minority.
Doesn't mean it's wrong though 
There is no right or wrong, Al, just differing points of view. But I'm not going to say anyone's an idiot for having that point of view.
No, wrong again. The correct answer is the cheapest one, and ine that does NOT end up with a Daewoo at the end of it. Where's me rubber mallet, I need to knock some sense into something.
What does it end up with then? A 12 year old piece of junk that people laugh at and car salesmen don't recognise? 
I get the feeling yours would certainly be junk after 12 years. Mine however, is almost mint. Or as mint as I can keep it anyway.
I will never ever subscribe to the equivalent of "BMW economics" there by paying for fixed servicing a fixed life of the car, and a fixed profit for the car maker and its service dept. it's a rip off, in the name of a warranty that they are he'll bent in not paying out on.
Btw, please tell me you don't have extended warranty...?