I love Honda's! I used to have one before baby number 3 and loved it. Although I am biased towards loaded Accords, I am sure you will enjoy your Civic.
Some how I ended up with a Ford Explorer, Eddie Bauer edition ,this last December. Not sure how it happened, but when I jumped in for a test drive within a minute I was in love. It is a 2002, so affordable but not too old.
It is scarey getting a loan. I refinanced my house 2 years ago to pay back my mom and dad the ton of money I owed them before my dad retired. I also hated to get an auto loan after paying everything off. Such is life....
Serenity