Additional costs and reserves? What are you planning there?

I am currently reflecting once again on your comments and do not want to come across as patronizing. Definitely, everyone should shape their life within reasonable limits as they wish. And one should also allow themselves a treat [emoji4] I actually wanted to present a counterposition after the praise of expensive car brands and the mention of larger amounts you budget monthly for the car, and show that a cheap car can also make sense from several perspectives.

We are at approximately 32% (loan 23.5%/additional costs 8.5%).

32% of the household income for repayment and additional costs seems reasonable to me.