Not to sound mean but you obviously could not afford the Civic if you are upside down on the value/loan. I would guess that the Bronco being a more expensive vehicle and more to operate would not be a good financial choice. That being said....the choice is yours...
Also if you want a v-6 that is another step up.
I have a 2 door '23 Base v-6 with automatic and sasquatch package. The best of the base model. No more being made.
I just recently made a trip to TN (4 hrs each way Hwy) and some around town driving while there and averaged 20mpg on my 2 dr '23 Base Sasquatch with 2.7 and automatic trans. Around 5K miles on vehicle.
The sad story is that there are people who willingly take a 10-20k$ depreciation on top of normal depreciation by going over MSRP and wonder why they owe more than the vehicle is worth.
My takeaway on non stock wheels is fine to replace with what ever type/price wheel you want. But, when you go to sell/trade the vehicle, the money spent on the wheels means nothing in the resale price. The vehicle is expected to have tires and wheels on it. Mainly you have to find someone...