Hmm, I so know what you're talking about there. ALL of the points you're mentioning.

I've just finished exercising and as it's winter here I was feel a bit cold so I put on an old fleece as I'm all sweaty. It has no less than three burn marks on the front. So it seems you not only save money by not buying cigarettes, you also save by not damaging your clothes and your car upholstery LOL