We have 2 cars from when we were both working, now both retired. One is considerably older (2005, 152,000 miles, liability only ) and of course has had $ put into it over the years, it s a workhorse and we use it for around town stuff. The other car is a 2018 and we use it for trips now that we travel more. The older car keeps miles off the newer one.
Plans are to keep both up and running even though there is only 1 driver now. If circumstances change, and they do, such as a wreck, we have a backup and can decide from there. It is nice to have options.
Uber and lyft are also options, but we don't care to use them for ordinary things that we can handle at present. Yes, insurance on 2 vehicles is greater than 1, but we'd rather pay that for what we do.