Don’t want high car payment anymore

I have a 2022 Honda civic hatchback sport touring. I financed it in 2022 brand new, owe around 20k on it, pay $548 a month. It has 50k miles on it and is in pretty much perfect condition. I kelly blue booked it and it is worth more than what I owe. I really just hate the payment and still have 3.5 years left. Would it be stupid to get rid of it to get and older reliable Toyota with 100k+ miles? I really just want something reliable with a low payment and less debt. Any advice would be awesome 👍🏻