Greg, your best bet is to buy a lightly used (2-3 years old) Subaru and let the original purchaser take the depreciation hit, then run it 'til it drops. My wife has a 2002 Legacy sedan that we bought used, and the performance is great, the gas mileage is very good, and the handling is out of this world. Put a set of studded tires on that rascal, and it handles snowy/ice roads like it's riding on rails. It handles far better than my Nissan 4x4 pickup or my trusty but long-departed Pathfinder in bad weather. If you want a bit more cargo space and maybe a bit more clearance, the Forester wouldn't be a bad choice. Accord and Camry are tops for warm climates, but an all-season car in your climate should be AWD.