I always paid cash, and for the past 25 years all my cars have been lease/rental cars. The 12 in my avatar was 9 months old with 21,000 miles and was a full $20k under MSRP.. FF to today, retired, and the Tahoe runs between FL and SD, aside from that pulls a 20' trailer with UTV's a couple times a year. Less than 20k a year. This time out, I'm doing a 36mo lease (I think) the total outlay is pretty close to MSRP should I buy it out.. But now I'm turning 70, I'm thinking I'll just return it and get another new one.