As long as you do not go off-road often, i guess its ok not to
spray under- carriage... just my opinion. As for the body, i send
my car for regular grooming, so I dun tuff-kote now. All my
previous cars were tuff-kote.
As I just sold my car, I dun think the policy change that
quickly.
Basically, car sold within 5 years, you get rebates of 130% of
OMV,
5-6 yrs -120% of OMV; 6-7yrs - 110%, etc. Above 10 yrs, nil.
So depending on how old yr car is when you sell, the rebates apply.
I like my old car and had planned to use it till scrapped 10 yrs,
but simple math show it is not worth it. Better to sell and use the
proceeds to get another new car, else when the car COE expired, you
get nothing and wld have problem getting even a small car.