Pay the final rate or rather finance a new used one?

Hello! Vllt you can support me in my decision whether to keep my existing Tiguan 2 or exchange it for a new used Tiguan. On the situation: My balloon financing runs out at the end of June. During the runtime it was 0% interest. It is then open a closing rate of 10,000€, which I either redeem, continue to finance or choose another car. As with balloon financing usual. I currently drive for work 20,000Km/ Year. I plan to work for 2 years and then retire. Then the driving performance is reduced significantly (max. 10,000km/year). Momentary mileage is about 90,000km. Variant 1: Keep the car and pay the final rate 50% immediately and fund 50% (interests still unknown). Then I would have paid a mileage of 130,000km at the start of the pension, the car would be 7 years old completely. Variant 2: Return the car next June and finance a new used car (Tiguan 2) . My dealer would take the car back for 15,000€. (According to Dat.de it would be even 16,500€) Which variant would you choose? Continue driving because I will retire soon and drive less and accept any repairs due to the higher mileage. Or rather take a new Tiguan (in any case no longer possible with 0% lenses!)? To the existing car: Volkswagen Tiguan (AD1)(01.2016->2020) Special model Join EZ: 01/2019 (EURO 6d-TEMP) mileage: 91 .000 km Motor 2,0 Ltr. – 110 kW TDI, body: 4-door Drive type: Front drive Gearbox 6-speed Euro 6d-TEMP Start/Stop system Greetings