Understandable, it would add several years of payments under the new loan and cost a lot more money, but that's expected. Most my usage is leisure, which would make sense to keep it. I'm not overly concerned about the additional 3 years (5 years on the new one, but I still have 2 years on my current anyway) of payments that would need to be made and have additional funds in my current situation that would allow me to overpay towards the principle of my loan, which may not be as likely in the mid-future (~5 years out) as I anticipate larger life decisions to come into play (which would also make upgrading a car unreasonable at that time).

My car before this was a 1995 Toyota Tercel that I ran up to 155k miles before buying the 2015. The maintenance on the car was becoming too much for me to take on, especially with having a salvage title (dad was a mechanic and did the rebuild + all maintenance which I definitely didn't do upkeep on when I moved...). Car ended up being given to a friend that was in a situation and he put another ~50k on it before finally calling it quits. RIP Tercel.

The CR-V is doing pretty well, but I know the brakes need to be done soon and it needs new tires, which are light fixes. $19k for a rebuy for it is pretty common in my area for it with a clean title and no damage besides regular wear. Private sales seem to be looking at $15-23k depending on all factors, but I don't want the hassle of dealing with a private sale, even if that meant potentially getting more than what the current offer is on it.

This is what's also pushing on me: My current CR-V is a 2015 model, and while Honda's are typically pretty good, it's more likely that I'll have more maintenance expenses hitting sooner than later. I take good care of my car, but there's an appeal to having everything you said: newer vehicle, no upkeep costs, and the lower rate