For a yearly road trip you can rent a larger vehicle than the one you use for daily errands, and in the end it will save you money. What is the problem?
Setting aside, for the moment, you’ve myopically focused on a single facet of my scenario - the road trips -
Do you believe there are zero scenarios where the cost of potential SUV - cost of potential car <= (cost of rental * years of ownership)? Interesting.
Even a little more restrictive - do you believe there are zero scenario where the cost of a potential SUV which meets my feature requirements - the cost of a potential car which meets my feature requirements <= (cost of a rental * years of ownership)?