Shehecheyanu

On what does one normally make the bracha of Shehecheyanu?

I saw the following regarding Shehecheyanu in the 3 weeks:

“Based on the view of the Mishna Berura that we do not recite Shehecheyanu during the 3 weeks, it is prohibited to buy any item that normally requires Shehecheyanu to be recited. It is forbidden, therefore, to buy a new car for personal use during the 3 weeks. It is permitted, however, to buy a car for business use and recite Shehecheyanu after the 3 weeks, or for the benefit of the family since in that case Hatov V’hameitiv is recited instead of Shehecheyanu.”

This was news to me! I have never heard of reciting either Shehecheyanu or Hatov V’hameitiv on a car! I asked around and neither had any of the people I asked. But the source comes from Igros Moshe O.C. 3:80.

So my question is: on what should one make shehechiyanu? A car? A large item of furniture? What yes and what not?

I did learn that we do not recite shehechiyanu on buying a house unless it is fully paid for and not bought with a mortgage because then it belongs to the bank and not to us! The same would go for a car or anything else that is not purchased outright.

I will say that, like everything else, there is bound to be differences of opinion with this so everyone should follow their Rav or minhag. But maybe posters can tell us what they have learned and what their customs are.