I'm just a year ahead of ya STC's with me 08 Avensis, but I too plan to trade up in 2022.2
My Joe is worth Scrap today and in 2022 it will still be worth Scrap so I see no need to be bringing a car loan upon myself.
My Joe too is in good nick, I keep it clean and always well serviced, NCT passed, Reseal and Suitability next week, Fingers Crossed.