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RE: Do you have you car serviced regularly?
I'm with you. I learnt the hard way in the mid 90s with one of my first cars. I took it for an MOT preparation. It had a lot wrong with it and it cost me £400, about 1/3 of the value of the car. I went to the MOT the next week and it failed. The lesson I learned was that the MOT fee is the cheapest diagnosis of what your car is going to fail on. Go, fail, get fixed what it failed on and then retest.
Cool! I don't know many that do it in this way. Seems to work for you too!