I was going to ask what kind of car.
I would have said do it.
You already checked you can afford it.
So why not?
Mrs bought a new Mazda 3 18 months ago, was 30k, loves it.
I bought a 2nd hand Evo x 12 months ago(28k), as I wanted one for 6 years, and was finally in the position to do so.
We started building 6 months ago.
So long as you've crunched the figures (which you have), I say do it.
You only live once.