[Jake Raby]

I'm just being really paranoid with financing this car and no source of income at the moment and savings quickly dwindling that if something would go wrong I'd be totally screwed.

I understand..
Unfortunately unless you spend some cash there is no way to really limit the failure possibilities..

I wish this was "Mamby Pamby Land" where the streets were paved in gold and Unicorns and Rainbows were abundant, but it certainly isn't.

Luckily preventives have been developed and the understanding of why failures occur exists.. Just a few years ago no one knew and all you could do was hope it wasn't going to happen to you. Some people still don't believe it can/will happen to them.