It's getting to where keeping a paid off vehicle is too risky. One failure and you're out of pocket $10K and a out of a vehicle for awhile. These newer vehicles need to be sold off before the warranty expires or you could lose a lot of cash fast.
I've got 38K miles of warranty left on my 2019 Raptor. I know that it's just a matter of time until the cam phasers fail ($4K), Transmission CDF Drum fails ($8K-$10K), IWE fails ($2K ish), Sunroof fails ($1,500 if done cheaply, $5K from a dealership). Those are almost certain failure points. Then there's a good chance the turbos fail or the engine seizes up based on what other owners have experienced.