I bought my first financed truck off a Ford dealer's used lot, paid a hefty down payment on a Ranger with 90k miles on the clock.
While driving it home the check engine light came on literally 10 minutes after I signed the papers on it. Started running real rough, so I took it back and told the nice salesman that there was something wrong with the truck.
He said "Sorry bud, you didn't get a warranty on the truck, and you signed right here on the contract that the vehicle is "as is."
So I took it to the tire/maintenance shop I worked at, and the senior mechanic checked the code "mass air flow sensor fail" So we opened up the air box and found it empty, NO FILTER! Well, the MAF was obliterated by rocks and crud... it actually had little pebbles embedded in it. Needless to say that motor had ingested some crap. New MAF cost me almost $300, and I couldn't trust the engine anymore to save my life.
At 110k miles she dropped a valve and windowed the block. Over the next six months I paid the bank off and sold the truck to a guy for $800.
Moral of the story... Always, always, always run an air filter...