I do have my own car, and I'm not sure what I'd do without it! There isn't a whole lot for us to walk to around here, and in the wintertime it gets very chilly so I would hibernate for months at a time if I didn't have a heated car. Hibernation doesn't work so well with two fighting toddlers; I like to be able to put them in the car and go somewhere, if only for a change of scenery.
Actually, at the time dh was buying his car we were pretty newly married and his credit was still miserable (before I whipped him into shape), so his car is in my name. So, technically, I own two cars. But, alas, usually only drive the bulky one with the car seats.