A discussion doesn't always stay within the boundaries of the first sentence uttered. There were replies to West's original question to which he has responded to.
Wasn't meaning we have to stick soley to the thread title, yes that would be silly. But at least staying within a good distance of the original subject.
This has gone a fair bit off topic talking about the OP's finances and evaluating his handling of them which is a bit rude IMO.
. Very flexible cars to insure unless you go for an ST or RS then they get you. 


it is my choice, I have said I have made the decsision I thought was best, and has come up trumps for me.