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How much do some mega-expensive things cost?
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I've never been in a single accident and drive a basic compact sedan I bought new off the lot 10 years ago. I could buy it used today, with current mileage for about the same price I paid new. I've paid about half the initial purchase price in insurance premiums.
Being a good driver sucks, but it's kind of like healthcare where...wait a minute I'm healthy and getting fucked there too. As I age I'm going to street race and try to gain as much weight as I can.