I've been in the 10 year club for some time. I am at almost 9 years now and not getting nickeled and dimed....yet. A couple $400 repairs the past couple years but that was it. What was killer for me was paying 5.9% interest back in 2009 on a 7 year loan. Went all out with that truck and will never do it again - at least the long loan. I thought I would never pay it off.
Leasing, while probably not the best financial way to do things, is now a popular choice for me. I've never leased a vehicle before but if I do get something new the next few years it will be a lease. One big advantage in my eyes is just what you said - with a 3 year lease it will be under warranty the entire time.