I'd pay the thing off and then mod the snot out of it. And then drive it everywhere.
The only way you could tell it was modded though would be the sewer pipes coming out the back and the BBS LMs
(I like q-ships.)
I'd also finish my '55 Studebaker and drive it everywhere I didn't want to drive my 3.
I've already bought the cars I want I just don't have the time or money to treat them the way I want to or drive them as much/where I want.