Also, for the sake of bean counting ...
A $0/mo payment because someone paid up front for their ride doesn't mean that a person pays $0/mo for their truck.
Let's say hypothetically that I paid $40K cash for the HyHoe a year and three months ago, and I sold her for $34k. Although I had no payments to make, $6000/15mo = $400, which was my de facto monthly purchase cost towards the truck, but the only difference is that I paid all those payments up front.
Interest was still being earned through the investment of that $6000 by whomever received it, and paid by me in the form of me not earning interest on that money.
This is to again emphasize how even a $0/mo payment on its own, really is no indicator as to real cost, but is confined to cash flow considerations.
Time for coffee ...
What if I won it or it was given to me?