Anecdotally, I fit this description. I own a large SUV as my daily driver. It is fully paid off. I use it to get lunch and other errands for most trips. About o

Anecdotally, I fit this description. I own a large SUV as my daily driver. It is fully paid off. I use it to get lunch and other errands for most trips. About once a month or so, I need to use the full capacity of the vehicle. This would run 50-100 bucks to rent an equally capable vehicle. For me, it is absolutely worth saving 600-1200 bucks a year to not have to deal with the inconvenience of renting a vehicle to run an errand once a month. That price doesn’t include any insurance changes, getting to/from the rental place, and any additional costs I’m unaware of.