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I'm not trying to be a prick, but I guess I just don't get why anyone would want a car that looks like it is falling to pieces. But then again I am a detailing freak.
If it's not being lacquered you need to be careful Laura.
But other than that, I can't really offer any advice. Kev (gally) or someone that works in a body shop is your best bet.
There is a balance; you are lucky enough to have found it.
People twice your age will not balance spending and saving, people half your age will (well, not in your 17 y/o case lol).
When you are younger, you have more freedom. Get it done, buy the 182 and spend on insurance.