Trusty Mazda 2

Am I pushing my luck by hanging on to my 2003 Mazda 2, which has done 197,000 km without a hitch and is a real gem? My only expense has been fuel, servicing, tyres and batteries, but I keep expecting something major to happen. I was offered $3000 as a trade-in, but as I'm 18 months from possible retirement, I don't really want to get into huge debt again. Or should I bite the bullet and get a new car while I'm still working and can get a loan? A highly personal decision I know, but can I expect to continue with my good luck?