Since I graduated college, I have only bought new cars, and paid cash for them. There is something called a warranty (maybe you have heard of it?), and for Hyundai and Genesis there is an extended powertrain warranty of 10 years or 100K miles.
Changing the oil is not the same as dealing with a repair, costly or otherwise. Even a cave man can do an oil change. But I can completely understand not wanting to mess with oil changes if one has to get under the car, but as I said that is not always required.
Strangely enough there is a correlation with doing oil changes oneself (and doing it right), versus having a dealer do it, and how many problems or repairs one will have in the long term. For one thing, dealers almost never use the same quality of oil I use, and they often botch the job (as a Hyundai dealer botched it the one time I let them do it).
In the end, changing ones oil is a Zen thing. It's a refreshing change from the normal business life of pure intellectual activities (without any manual labor). It's also a satisfaction of knowing that a job is done right, and the relationship between Quality and The Good (The
Metaphysics of Quality). See
Zen and the Art of Motorcycle Maintenance.
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