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Well, not to pick, but both your cars are not shining examples of ownership costs and reliability haha
I have a 2004 Lexus IS300 as my main daily for the last 7 years... 140,000kms up to 230,000kms now... and it's spent precisely zero days in any shop besides the bare minimum of oil changes and brakes... If I had a kid it wouldn't be big enough, small trunk, tiny back seat leg room... but even then I would just change to an old RX350 or something similar.
Some indie shops do have loaners too... DC Motorworks is one that I sometimes use and they have loaner cars. I would never bother him for one and just eat the day that something is getting done... but they are out there.
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