Well it may be annoying advise, but it works. My wife and I have a nice, newer BMW that we take out to nice events, dinner, long trips etc. Then we also have a

Well it may be annoying advise, but it works. My wife and I have a nice, newer BMW that we take out to nice events, dinner, long trips etc. Then we also have a very cheap 20 year old Volvo that we run errands in, get groceries in, go to crappy neighborhoods with, let people borrow it, and things like that. It really is nice to have a car you don't care about. Volvo gets hit in a parking lot? Tell the other driver not to worry about it, shrug it off, and go on with your day. No big deal. It's really sort of liberating. That said, I don't bike much, but if I did, I could definitely see myself with a nice bike and a "junk" bike for similar reasons. Definitely pretty reasonable advice