No worries. Hopefully I'll be hitting L40 B-spec soon, and can start buying the X2010 in all the colors. The game changes a bit when you hit the 20,000,000 cap, and the Seasonal Events have enhanced the change - you find you HAVE TO spend credits at the rate of at least 3.5 mil per week. Once you've got the vast majority of the cars you want, you find yourself just looking to help others.
I buy all the SE cars when the events are posted, and once I've got them tuned where I want them and won the SE, I share them with a group of friends, one per day, and then THEY share them around in a ring, until they come back to me after about a week. That takes up five days worth of trades, so I've generally got a couple "free" days per week to help out.
It may not work for everybody, but I find it helps keep the game interesting, and as I noted before, somebody here (cumova) really helped me out when I was around L25, so it only seems appropriate to pay it forward and help out fellow GT5ers.
I don't pop into the Marketplace very often, but I'll check in once in a while and see whom I can help out. It's why they call it a "community", after all...