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You have to weigh the odds of whether or not you think you're going to need more than $3500 worth of work on your car within the next 24k miles. A 2017 is almost new, I can't imagine too much going wrong with it if you keep up the maintenance. To me (and this is me), I would rather put $3500 in an account and keep it in case something does happen, if it doesn't then you still have $3500. 

However, one thing about me is that I've never spent more than $2k on a car, so if I had $3500, and something happened, I would just go get another car. Regular upkeep and maintenance allows me to keep my cars for several years. My car before last I spent $900 on and it last me for 4 years. I can't complain about that at all. 

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