I know it’s not feasible for everyone, but this is why I have 2 vehicles.
Because I have a 100-mile daily RT commute, both are beaters, but I keep them well-serviced. 2000 Taurus and a 2000 Ford Explorer. The Taurus is my main car, and the SUV I use for hauling groceries, gardening stuff, furniture (I paint & re-purpose furniture), and for the when the weather is really crappy here in PA in the winter.
I was petrified to be without a vehicle; I also have to say I hadn’t lived alone from the time I was 18 till 4 years ago when I was 46, so this is probably unreasonable paranoia on my part.
I also have a very trusted mechanic who keeps the beaters in very good shape.