If we're going to be able to sink all this money into modifying a car, I want to be able to get it BACK when I inevitably wreck.
This is why I didn't spend a lot of cash on car mods in GTA: SA. I tend to go through cars in GTA games like a man with the scoots goes through toilet paper. They don't last very long before they're thrashed (I'm a decent driver, just incredibly reckless). It's one thing Saints Row does better. Once you modify a car, it's yours until you decide you don't want it anymore. GTA5 needs to do this, otherwise the money's wasted IMO.