Vehicle for commuters and family

Hello all, I drive about 40,000 km a year. 32,000 of them to work alone with 80% ATB. My eleven-year-old used car has cost me over 600€ in the last 18 months and 60,000km a month (purchase, rep.) Residual value is no longer so great. For the journeys every day the vehicle must be economical. For the journeys with the family must have woman and two children space. For the holiday we need space (combi). It should also be reliable. Mind. Equipment for me are – Climate -Xenon -Tempomat -AHK -USB 🙂 Do you get this balancing act somehow? When used, the rep. risk at my driving performance is too incalculable. Demonstration cars for 3 years lease or balloon financing and then return? And relative low Riskiko of expensive repertures (guarantee)? Or buy over 5 years and complete additional guarantee (is there the up to 200,000km?) I am grateful for your tips. CU TA