For me is a different formula, i buy a car that i have the ability to pay of instantly for whatever reason if needed i.e lost of income , ability to work, lost your job.

Alot of people take into account what they can afford now based on something that they "think" will be there in the future like your job/income.

Playing field has changed now... it's no longer who has the bigger car/balls on the road but who still has the ability to drive around and have ability to sustain a car amidst all the noise out there...