After more thought, I'm now thinking to put the money I'll save in MS depreciation/lease and get a more loaded M3. My current car is paid off, and I'm not looking forward to try and sell a $60K car in a couple of years. I was one of the first in line on 3/31, will get a loaded M3, and live in Calif so that means I should be nearer the top of the M3 queue than a majority of people.