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Then I'd say don't bother doing anything pal. Stay as you are - keep it legal, and then when something comes along and you think - "yep that's the next car for me" - that'll be time to move on.
I guess the thing to do is to do the maths. Value what it's worth, add up what you could put to it, and have a look around. No harm in that - I do it all the time - and if there's something you see that you fancy, go for it. If there's nothing out there, then it's just "as you were"
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