Martin,
Since you just had a new addition to the brood I would step back and reconsider what has been pointed out about dependability and reliability. DW probably has a strong desire to feel that the car will get her and NB to wherever. The "peace of mind" factor is huge in this equation. I understand you abhor the debt thing. I applaud you for that. If you can move into something vehicle-wise that can handle everyone and the weather conditions in Bucks County (I know what the weather can be like) I would do it in a heartbeat. I had a 1986 Ford Aerostar for 16 years. I got to the point where I just needed to drive it to the junk yard, take off the plates and walk away.
FWIW
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"Its not a matter of being ready as it is being prepared" -- B. E. J. Taylor