I've had my '01 for two years/8k miles, and maintenance over that period of time has been around $600 (oil changes, cooling system flush, plugs, belt, fuel filter, brake/clutch flushes). I also purchased new tires and had it aligned for $850. That's it.
My point here is that these aren't guaranteed to be expensive, or that you need to spend a grand or two a year to keep it on the road. Sure, mine has lower mileage than most, but for now, it's a really cheap car to own.
I do agree that putting a few grand or whatever aside for a bad day is a good idea.
A good investment is a
Bentley manual.
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