Crash, I feel your pain. I've been through several different vehicles in the last 10 years, much to my credit scores downfall. After I crashed my Civic, like you, I found myself "stuck" getting this vehicle. The civic was paid off but even with the pay out from the insurance company, I could not afford a new civic or even a fit for that matter. Anyways, I would definitely recommend lowering it. It handles way differently and almost feels sporty. At least I can say I own this car outright.