[Kracka]

Even with full coverage you'll be lucky to get half its value if you end up totaling it in an accident. I wouldn't touch a car that already had new brake pads and has severely worn rotors at only 42k miles. There are enough of those cars around to not have to "settle" with one. If you plan on keeping it for a long time, which it sounds like you are, find one that you feel is perfect for you.