I’m going to make some assumptions: that you can ‘feel’ the finite nature of your cash reserves, and that you have a genuine hankering for the White Falcon. If so, swapping sounds like a good option. You’ll lose something that takes up space in the house and gathers dust - ie you’ll lose what (for you) is a burden, and gain something that you will (?probably) enjoy and make good use of. Maybe get some dollars on the swap if you can. A big driver in this line of thought is ‘Life is too short’, in this case, too short to carry something that doesn’t bring you joy while you deny yourself something that will. But your perspective may be different, there may be things I haven’t considered, my assumptions may be wrong. Or I may be wrong. Who knows?