And believe me, if I were to get such a vehicle, I have 0 plans of ever trading or selling it (I still have my note 9 as my phone and before that was using a note 3 until the battery was replaced for the 2nd time) - I would drive this car 'til the wheels fell off, and then repair it and drive it some more.
I suspect from the comments my biggest hurdle is not having an emergency fund set aside. Should a life event occur now, I won't be prepared, even by the time I receive the vehicle which is due this Sep. I do know confidently, however the conservative family-oriented company I work for wouldn't dare think of letting my wife or I go (and I swear to you all I am not trying to brag but I don't just play the role of System Admin, DBA, Help Desk, Veeam, vCenter, and Network Admin for them, but I am (and have been) also their eyes and ears through this crazy rollercoaster of a pandemic; I analyze sales data, item cost increases, contract pricing, I build reports, etc so that sales reps can not only maintain but improve upon their GPs which helps the company's bottom line, and apparently as a result, I've done so well that company profit margins have increased by 8% compared to our best year ever and are on-track to do even better. They've therefore promised a 15% raise the beginning of next year).
I'm concerned though because if my wife or I were to ever wreck, we won't be able to pick the other up, and being dependent on one vehicle for 5 years really does wear on you mentally. So therein lies the problem: I need a second vehicle, I will do anything and everything to get the debt paid off promptly, yet I am gambling the risk of unemployment until say, June of 2023 to have a proper 6 month emergency fund. Maybe if I switch to ramen noodles I can pull this off...