hard to say. too many variables. i think i shared here before.
last year when i have my 2nd kid, we were thinking city no longer suit us.
with a toddler and baby.
end up wife say still okay, put 2 child seat behind, she have to cramp to the middle to take care of them.
as they cant be unsupervised (one is still so young) and the older one is not old (and safe) enuf to place in front seat. (4 going 5 years).
so give and take a year or 2, the older one should be able to move to the front.
i could also buy a 2nd hand new car. thinking to upgrade but not willing to pay over 100k so 2nd seems to be the way.
if that is the case, then city could be:
a) we keep as 2nd car. my wife has license but never really drive so it's all rusty skill.
b) i send it back to my hometown in east malaysia where my bro is still driving his old old old old old SEG.
all in all, should still want to keep it in my family.
but at the same time, i'm really comfortable not paying any car loan now. and in any case, if i were to get a new car, the selling of city and hence the money that would be gotten and put into new car downpayment is not taken into consideration at all.
i come from a family with no car. we took buses everywhere, never really travel for leisure, and depends on good will of neighbours to fetch us for the weekly pasar and supermarket going. the first car in my family was that old SEG which my bro bought when its like 10 years old back in circa 2002. even when i started working in kl, i didnt get city until i worked 5 years, in part due to budget, in part due to the fact that i want my first car to last and satisfied my expectation of a car for a long long time, instead of getting one as a stop gap measure. for those 5 years, i'm grateful for my colleagues and friends, who dont mind fetching me from my house or the nearest lrt to their convenience.
when i started dating my wife, i dont have a car. when i wanted to buy a car, i was expecting her minimum expectation would be a persona or H or T. city/vios are always my target. i told her i liked myvi too but it may be abit stretch to make it last so long (in terms of future expansion or my expectation of a car). to my surprise, she said she rather me getting a saga than a myvi. i took the decision to straight go to city instead due to the reasons above. so by now you should have guessed its not unnatural for me and my family to use car for a long long time. and for me, i'm just grateful to have a car, and quite a good one too, due to my background.
My City will be 11 years next year. Loan already paid off some 8 years ago and same as you, I am comfortable not paying car loans now. I plan to use this car for as long as possible since it is easy to maintain and quite reliable.
I've already learned the in and out of this City in terms of parts, parts pricing and repairs.. If I were to get a new car, the learning process will start again.
I am not looking at those fancy-mancy cars with lots of electronic gadgets. Just thinking of it breaking down, troubleshooting and also the cost of repair really turns me off.