Mate I don't want this to sound like a lecture and I can see where you are coming from. I did think about doing the same myself after a scary moment last year (luckily nothing ast bad as yours), but if you do that you are letting them win! I'm sure that you like the rest of us work hard to buy yourself a nice car, so why should we let the scum of the earth put us off buying what we like and want......isn't the point of working hard in the first place to buy nice things for ourselves and family?Next car will not be anything as attractive. Now I need to find an ugly car that is nice to drive!
Where would it end? walk around looking like a tramp just so that we don't get mugged for our wallets! Buy a ****** run down house so that we don't get burgled! don't buy the latest iPhone...all just in case!!
I treated myself to an Omega watch a few months back, first thing I did was put it on the house insurance. I walk around 90% of the time wearing a T-shirt, so it's very visible for all to see, if I got jumped by a few lads and I knew I didn't have a chance I'd hand it over and claim for a new one...it can be replaced!
Life is too short to keep your money in the bank, spend it on nice things and enjoy them whilst you can. My late father got diagnosed with dementia a few years back after working his **** off all his life. He had his own house and a fair amount saved in the bank, the government wanted to take it all right down to the last £23k before they started to pay for any of his care fees! Luckily* he was that bad that he came under the care of the NHS CHC which meant they paid for it all from day one. I say luckily* meaning my mum didn't have to watch their life savings being taken away from them to pay for the same care as someone who has never worked in their life!
Rant over