I beg to differ. Ok maybe with the Focus that one I will admit I didn't think it through and I ended up getting rid of it 3 months later, the Cooper was just a dog mechanically and the Cooper S touch wood is fine, no problems except with having to replace consumables.
The only thing it's had done warrenty wise is the Engine mounts BEFORE I picked it up.
It's not like I owe the earth on it either. At least the difference is that with all the interest and everything added I only owe a few hundred over the cars value atm.
How many months have you been paying though to still owe a few hundred over the cars value