Where I'm from, insurance cost goes up if you use it for commuting. Pleasure use means you use it less than 10 days a month and less than 6 for getting to work

Where I'm from, insurance cost goes up if you use it for commuting. Pleasure use means you use it less than 10 days a month and less than 6 for getting to work and back. So that's not fixed. Time is not intangible - you can count the difference in minutes. You don't need to convert minutes to dollar value because they have intrinsic value on their own.