at 75K you'll need at least 3 tires & brake pads/rotors. The clutch will be weak as will the shocks, you'd likely need those within the next 25K. At this point you're still living with "chances are". If you add those parts & labor in you've moved closer to a new one. The 3 year warranty and peace of mind alone carries substantial value. Unless you're going to pack on the options you'll need to save way more than half price to make this work. That's why a 5 year old Elio won't be worth 3.5K.
Really the clutch will be weak?....really? BS. Unless they just really cheap out on the clutch, it should last you at least 150k.
I have never had to replace a clutch on my metro due to wear. I have replaced it due to transmission swaps.
The shocks also shouldn't be that weak. 75k on a well maintained car is nothing.