The right answer here is probably something like go buy a well optioned USED Accord, Camry, Odyssey, Sienna, Pilot, or Highlander with maybe 50K on it, and drive it for 10 years. Meanwhile, invest the difference every month in an index fund or rental property.
But, that isn't a very glamorous approach. I get that. Still, it's the right answer, no way to deny it.