I maintain my current car very well, way more than what's needed but that didn't stop the flywheel from breaking 1200 miles away from home - nor did it stop the engine mount from breaking 900 miles away from home. Also didn't help the car in my picture blow two holes through the engine.
The OP is spending over 60K miles in his car every year. I couldn't even top 50k miles a year for both recreational and daily use. I'm sure not spending money on a 20 year old beater no matter how "well maintained" it was while having enough confidence to drive 240 miles per day. Shoot, after two years or 150k-ish miles you'll break even on gas savings. All while having warranty for the majority of it and probably with a loner car too.
I too maintain my vehicles extremely well, to the point I’m probably over maintaining them, and you’re 100% correct...they still will fail and possibly leave you stranded. That’s what happens when parts of the car age, they weaken and fail.
I kept my Honda Accord 17 years and 289,000 miles. I changed the oil every 3,000 miles and changed the transmission fluid every 20,000 miles. I also did coolant once every two years and replaced all my cabin and engine filters once a year. I would wax the paint every three months and wash it weekly.
But none of that kept the engine from burning through a quart every 500 miles when it got up over 250,000 miles. None of that kept my gas tank from rotting out and me needing to remove the entire rear suspension, brake system and exhaust, to remove and replace it. None of that kept the factory defect of Honda placing the evap tube directly into the front subframe...and me having to replace that...which is probably a $3,000 dollar job if you don’t do it yourself.
Great car though. Probably one of my favorites. And it did save me thousands by keeping it that long (I purchased it new in 1999 and kept it till 2016). But it did take WORK TO GET IT THAT FAR (289,000 miles). This is what I did to keep one of the more reliable vehicles made, to get to 289,000 miles...
Front calipers three times
Gas tank
Charcoal canister twice
Evap vent solenoid twice
Front engine mount three times
rear engine mount
timing belt and water pump x 2
2-3 axles
2-3 upper control arms
lower ball joints
countless front AND rear sway bar links and bushings, I’m talking countless!!
at least five mufflers
a power steering rack
tie rods a few times
rear brakes
radiator
VTEC solenoid
upstream A/F ratio sensor...much more expensive than an O2 sensor
transmission shift switch
EGR valve
Brake lines once, needed them again when I got rid of it
Fuel lines once^^^ same thing, needed them again. Not a fun job!
Front struts
After all this^^^^ and probably much more that I’m forgetting, the car was using a quart of oil every 500 miles and couldn’t idle without stalling most of the time. The paint on the roof, hood and trunk was terribly faded (despite the waxing religiously for 17 years). All of the headlights were faded. The braking system was lacking consistency - just couldn’t keep up with the pulls, vibrations and occasional noise. The steering Wheel was never straight or couldnt be adjusted straight after 200,000 miles...this is what happens when every bushing in the front end is over 15 years old. And I must say - to anyone still reading this - once I got a newer car...I couldn’t believe the difference! The stopping ability, the headlights at night, the power, performance, and reliability. To NOT have to worry constantly about the next thing that would happen.
But I did love this ^^^ car. I really did. It saved me a ton of money, BUT it did start to cost me and it did leave me stranded towards the end and I just couldn’t justify keeping it on the road anymore. I never had to replace the engine (although it was probably on its way). And I never had to replace the transmission, despite those units being known for early failure...I like to think the yearly tranny services and constant babying played a part. And I was bothered that the paint just couldn’t hold up despite constant care. But would I do it again? Probably not. I think 10 years will be the most for me, but who knows? I do like saving money, it’s just that like anything else it takes WORK. Lots of work, effort and at some point you will be outright embarrassed to be driving that old beat up well cared for car.