Right, my point is that "holding for life" means you never "lose" anything, regardless of how the market performs. This isn't hypothetical for me. I've never so

Right, my point is that "holding for life" means you never "lose" anything, regardless of how the market performs. This isn't hypothetical for me. I've never sold or traded-in a functioning vehicle (only gifted). You can also purchase used or lease to similarly mute market effects. News flash: buying new cars and getting rid of them early comes with market risks.