If $20k is your budget, and the current vehicle is going ok, then I'd be trying to figure out how much maintenance $ you're likely to chew up in the next 3-4 years?
Then have a look at what current 200,000km Fords are going for and work back from there.
If you're bored of the current ride and/or a newer model has some desirable features, then I'd probably swap it out.
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