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It's the garage that should be explored. The cost of a fully insulated garage against buying one to two extra vehicles over a lifetime.
Hard as are "cold starts", keeping the vehicle out of the weather (especially the sun) the majority of the day (the majority of its life) will do more to enhance longevity thus reliability than all else.
Reduced transportation cost is barely one-half the cost of fuel for a given vehicle. It's the longest life with the highest reliability that leads "economy".
That a garage enables all kinds of maintenance & repairs not comparable without is what seals the decision.
This is before any advantage afforded the dwelling, which could further shorten the ROI.
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