i hate to see low figure in bank account, and a few shxt happen during the year makes me want to keep some $$ in bank.
BTW i am going to finish uni end of this year, once i get a job i will need to sell it for a house anyway
so it's only 1/2 - 1 year earlier than i planned when i bought it
reason for 4 dr? it is "pratical", so Sara will has no excuse to make me downgrade again in furture