Pay the Z down sell it get something with more power. Your in a position where everything is on "hold" other then you paying for it to sit there.
Your going to easily spend another 12-15 into the car. I pesonally if i were in your shoes would just pay it down, or save money which ever work better for you let the car go, and then buy something else. you going to end up spending over 50k all said and done easily. You will never get that return out of the car.
When you get back and drive it the way it is you will feel awkward as it is driving the speed limit. Or at least that how i felt coming back.
If you really are going to keep it, then do as you wish.
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