Since its an OPC, i believe the main purpose is to get from one
point to another. Thus, its not advisable to change. You should
know that the Matrix is a basic car in the 1st place when you buy
it, so guess its normal not to expect too much.
Another reason for having OPC is to save money. So I believe
there's no point for going onto a big car. All i can say is that
the money you are going to lose if you sell this enable you to get
a non OPC car in the 1st place. Also, your month installment of 400
over 10 yrs already tell us that you are not financially 'powerful'
enough to change car.
If you decided to change the car already, maybe you should just go
ahead. The fact that you still ask here shows that you are still
having 2nd thoughts.
I hope i don't sound blurt or direct here, but you will get bored
with the Tuscon in another 6 mnths time i guess. It just make sense
for you to keep this car.
Just my point of view. Hope this helps. Cheers~!