My insurance is actually cheaper, having just run a quote.
I pay for servicing anyway now, but it i was to change it I may just service it myself and run the car to the ground.
Tax may be slightly more.
I know what people are saying though, its just food for thought at the minute, obviously I'd have to do proper research into it and ensure I got the right car.
Another thing that will continue to irritate me for a very long time now is the wheel bearing. It makes a noise and vibrates, and I know its there, but the recommendations I have is that its no where near bad enough to change.