I'm with JayR TBH, pretty much always change my car when it gets out of warranty, for a number of reasons including peace of mind that i dont have any unexpected future costs, this isnt about the actual overall cost compared to a new car, but more about not wanting to be landed with a £2k bill out of the blue and having no wheels whilst its being fixed, wanting to drive in a newer car, and my decent experiences of hassle free motoring / no quibbles whilst any warranty issues are sorted. If you want that peace of mind without a car in warranty, then an extended warranty is also £££ and its rare to find one that truly is comprehensive, so a level of hassle still exists.