I do have savings that I can tap into. No separate funds. Nobody will go hungry and there will still be enough for emergencies.
My engine was rebuilt by the PO at about 70k miles due to a money shift, so that still is great at 140+k. The transmission I took out myself due to a bad differential and TRE kindly rebuilt it to my specs including steel sychros and shift forks and a shiny $2500 GT LSD. I do recall it was a bit pricey but never showed anyone the receipts.
If the engine goes, I will rebuild it myself, no problem. The parts are not that expensive.
The nice thing is that I can probably sell my car for what I have "in it", not including maintenance.
G