If the frame rails aren't Swiss cheese, the engine is in good mechanical condition, and it isn't such an oddball model that parts are all but impossible to procure I'd be inclined to keep it running. Maintenance isn't a guaranteed monthly requirement, but a car payment is.
Oddball model, really. Parts are getting impossible to procure through official channels. I got a cool repair guy who says he'd do it if I bring them in but since cars aren't exactly my world that'd be a lot of time spent I'd rather spend doing something else, even if it costs.
I'd never finance a car anyways, which might be part of the problem, in a way? I'm looking for that ~5000€ station wagon where the AC knobs fall off, what do I care, that I then run for 10 years on basic maintenance until it ejects a piston through the hood. It's a utility machine for when I can't use my bicycle, but there don't seem to be many left of those.
Do manufacturers even make station wagons anymore?
This is in the EU so I guess they kept on with those for a good while after the US from what I understand. Hell, the Opel Astra Sports Tourer EV would be basically my perfect car if not for the fact that it's a new EV so it'd lose like 300€ of money every day it's parked in my driveway.