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EDIT: though, in my experience, before it's worth buying a new machine due to maintenance costs, you will want to replace it just because you can now afford a bigger and more efficient one.
You don't have to buy a new vehicle every 20 days. If you run the numbers, it makes financial sense to keep old machines for longer than that.
And remember that a day is a season in this game. 20 days is 5-20 years, depending on how you have it set up.Farmers sure would go broke at 1300 per day maintenance, but farmers also don't get to collect and sell a harvest every day. In all, the game is fairly balanced, and you're still earning a profit even with the maintenance costs, assuming you are putting your machines to work.
Tip: have more land and fewer machines. If you only work a tiny field with an expensive combine and your days are 30 minutes each, maintenance will be a bigger deal than if you work many fields with the same machines. Your day would take, maybe, 3 hours and you'd make a lot more money, but the daily maintenance costs are still the same.
I bump days to 120, not going to deal with waiting around on crops to grow. I can only afford a few fields at this point and the repair costs are kind of BS for people who don't want to dedicate their lives to the game. I'd like to do more than just harvest wheat, but with the asinine costs per machine per day, it makes no sense to sell farm stuff, buy forestry, sell forestry, buy farming. I could download a money cheat, but I shouldn't have to. There should be an option like there is for everything else in the game. One extra option tab wouldn't kill the game.
Until you get to the point of having the largest machine you need for the job and no longer need to or have the biggest there is then you will just have to replace it.
My current famr we have the biggest tractors we need for the jobs we are doing, when they get too expensive to run we just have to repalce them with new ones of the same thing.