@DerbyDave - love your avatar. Looks like the last Samoyed I had. That is a great point too about the cost if rolled in with the original purchase. I've lived in states with the licenses fees based on the value of the car. You would get hit with the sales tax AND huge licensing fees, and then the annual licensing fees were significant even 3-4 years downstream. In that instance, after the fact is better unless you had a need to finance it or there was some sort of business tax benefit to roll it in up front.
