Wow. Never had a vehicle that made it to 100K without a major repair? How is this possible? What cars have you owned? I've only had 4 cars in my life, but they've all gone well over 100K without ANY multithousand dollar repairs.
This is all the more reason for you to have a large emergency fund!
Infiniti G20...before 110K it had to have 2 new axles, all new motor and transmission mounts. I bought it at 110k, with all of the above wrong with it as a fixer upper, so who knows when it went out? IT likely wasn't just as it crested 100K...
2001 Trans Am...before 100k it needed a new TO bearing, new rear-end, new axles (two times), new water pump, and new slave hydraulics for the clutch, and a new AC compressor
2010 Grand Jeep Cherokee...oh...let me count the ways it broke....just take my word for it that Chrysler's 5/100 powertrain warranty got a helluva workout from 60-93k when I sold it!!!
2012 370Z...nagging brake issues that involved going through 3 sets of front rotors and pads (not necessarily cheap on Akebono's) for violent vibration under braking, finally dealership admitted fault for over-torquing lug nuts.
This CX5 has already had the rear diff replaced, to the tune of $2700. It got water in it when I crossed a flooded drive-way. User error? Whatever. Warranty covered it. It counts.
1995 Trans AM: Purchased at 147K miles, best damn car I ever owned. The heater core went out, and that's it to 170K! (sold)
1988 Mustang GT: It was a complete re-do, and purchased as such. Doesn't really count.
1993 Crown Vic P71 interceptor: First car, driveway project, only the transmission was OEM to the car, neat thing! Doesn't count as it had a 5.4L V8 Triton and other non-OEM stuff
So yeah, I have plenty of "emergency fund", but I also bought the damn warranty because saving money is what it's going to end up doing for me, based on past history.