Twin- I'm so proud of you for doing it for 3 months. We're not in a part of the country where being car-free is easy. Our mass transit (only buses and not very many routes) is very sub-standard, and towns here are sooo spread out it's difficult to get around in a convenient manner.
Now that I have a job 2 miles from home I will be car-light, but I could never go car free. Lowe's/Home Depot is just too far and dangerous to get to by bike (as is PetSmart).
Good for you for giving it a true shot. Too bad about Farmers- that stinks.