I think what I'll do is put $30K (D to DL uplift) down and and finance the balance at the 1.49% special rate they have going on now. I assume that I'll qualify for the resale guarantee?
I believe you're right that you get the 50% of base price plus 43% of options guaranteed trade in after 3 years if you finance.
Everyone's debt tolerance is different. For some reason I was getting the impression you were paying cash, so I was gonna smile if you ended up splurging on the P90D.
But even the 90D comes to like 110k, and with 30k down is around $1.1k/month. Have you worked out what your total cost to drive would be after 3 years, factoring in down payment, monthly payments, less tax credit/rebates, and adjusted for however over/underwater you are when trading in after 3 years, as compared to the remaining principle on your loan?
Does it work out to around $20k per year? (My rough guess)
I never borrow money to buy cars. Actually, I don't owe any man woman or beast in this universe a penny for anything. I know I'm conservative, but $20k/year on a car sounds like a waste, especially if after those 3 years you have no car to show for it. And really especially if you're depending on income to make the loan payments. And remember this is the 90D I'm talking about. I didn't even price out the P90D.
I was cheering for P90D. But now I think I'm flipping. If you're simply thinking to finance because the rate is low, and you think you can do better with your cash somewhere else, while locking in your resale value, then sure, you sound like someone who could very well find yourself regretting you didn't get the P90D - in that case I'd smile if you went for it.
But if you don't have the liquid assets to cover the cost of the car, even if you have a great monthly income, then my vote is don't get sucked into wanting the status symbol, and go 90D.