It turned out to be a bad A/C compressor: $895
Plus, a couple other parts that go with it to ensure the new warranty, plus labor = $1700
Plus, three days of driving the Sienna to the train at 18 MPG, plus the wife already hated that this wasn't the car she would have chosen in the first place.

I have now put as much into repairs over the year I have owned it as I paid for it in the first place. My total cost is now just below blue book, so I still got a great deal.

But, since the insurance only paid the original cost, what I have done is doubled the value of the '00 Accord that was stolen by moving cash out of my pocket and into the car. In other words, now I'm driving a better car that I didn't deserve because the extra cost wasn't in the budget. Thus the wife hates it, and I guess I can't blame her.