I don’t doubt the data, but the question is how to use it. When it comes to long tail events like breakdowns there is a big difference between an individual pur

I don’t doubt the data, but the question is how to use it. When it comes to long tail events like breakdowns there is a big difference between an individual purchasing one car and a large fleet owner purchasing in bulk where the law of large numbers helps remove the variance. In my anecdotal case, I traded a potentially larger but still small probability of a major breakdown for a guaranteed better maintenance schedule (no oil changes, less brake/rotor work) and no gas station visits. We’ll see how it goes!