Just to continue talking to myself... hfawk:

I think I've decided to insure both the civic and the truck on a recreational basis until I get the civic up to reliable, serviceable transportation standards. Once that goal is accomplished, I will re-evaluate trading the Infiniti & truck for a 4runner.

After a long talk with my business partner/mom today, it's looking like a career change may not be too far off the horizon (maybe 2 years)... at which point I can drive junkers with no worries. :exnbp: