casey, if you drive in the mountains a lot check out the Subaru WRX, 2006+. Might still be too pricey but they are fun cars with a lot of power and all wheel drive. Albuquerque doesn't get much snow but Taos isn't far... my parents lived there until last year.
Toasty... If you have 1 dark suit, a decent pair of shoes, and some boring shirts and ties, you are doing better than most people in the real world. If, god help you, you've been fucking around with tan pants and tasseled loafers (I kid, but not really), GET OUT NOW.