[clarry]

I don't believe in that 20% being a problem. I mean you can take a bus / taxi / train / buddy to get you to the next town if you need to be there. If you need to transport stuff, then you might need a car, but it's not like you would be transporting that same stuff without a car in a big city. So you need the car there too.

Also, my experience is that the 20% is more like 1-2% (when I lived in smaller cities, I needed to visit other towns or bigger cities a few times a year).

Like I said, I started needing my car only after I moved out. As a matter of fact, I only got a car a year before moving out, and I only got it because it was given to me for free.