I've gone through the process of reduced payoff/ retain title on two other cars. Striped the old one for the replacement one...but am thinking a great deal of what was added is under the hood- and crushed. So far I am getting the "We found a '99 at a dealer 150 miles away...you could get it!" approach. I doubt anyone would have receipts for things I bought 10 to 15 years ago also. So I am stuck there. In the end, my car was highly reliable, with just small maintenance issues to cover for the next 100,000 miles. I knew every inch of the car and had planned against that for other issues in life I would rather spend money on. Losing it means I lost all my reliability and destroys that budgeting...so my sights are focused mainly on that in a replacement chassis. Prices are stupid from one extreme to the other here in Florida! Lately all I see are automatics- and that is certainly not a replacement for a Miata with a manual.......!