Clive,
You have a couple of DD already the red one for sunny days and the silver one (when its done) for rainy days. Now buy a cheap DD just for winter, save for the house and big garage to accommodate a lift and you are all set brother. Never settle, I built my first house when I was 25 (close to your age) it was all me, my credit, my savings. You can do it!!! Tony is right it's a buyers market now.