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I don't like to customize my cars either. I tend to drive Mustangs, and I've never done anything to them. Why bother? I trade them in on the next car and I would have l lost whatever money I put into it. My last car - The Mach 1 - was the same.
The car I have now has a mods to it which is cool, but otherwise I don't invest my time or money into such things.
Also, you shouldn't be buying cars without putting any money down. The sooner you pay it off the more money you'll save. I tend to pay my cars off as quickly as possible to save on the Interest.
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