It's not so much that, vs what i can do with the car. With my SN95, i can take it to work. Take it to home depot, take it to my kids school and park it and not worry about it. I can use it practically. If it sits outside and gets dirty, oh well. If i get rear-ended...that's what insurance is for.
With the Fox. I won't leave it anywhere or park it anywhere where i'm not right next to it. I take it out to cruise around and then put it back. I have Haggerty for insurance on that to get my agreed value and they have more restrictions on what I can do with the car, so pretty much I just take it out for a nice cruise, and then go put it back.
I'd say with how crazy busy I am lately, i need a car more for the first scenario. I think as time goes on and I can relax more, i'll be able to do the 2nd.
Either way, i'm not selling the car so don't worry about that.