Having been on this forum for a few years I've noticed there are different groups of people and we sometimes end up talking past one another. There are those who are used to $100K cars and expect the kind of attention to detail you see in European luxury cars. There are some people who come from the sports car world and are drawn to the Performance cars. And then there are those of us who never owned an expensive car before.
I'm in the last group. My Buick was nice, but other than cushier seats it was no nicer than the Model S and the tech was much older. It cost me $21K new and I sold it for less than $1500. I put up with 2 decades of grampa car jokes. Before the Buick I had a Chevy Impala that had been a company car owned by the Union Pacific Railroad.
Luxury car people and sports car people.
And then there are the electric car people. I owned a Jeep and then a Civic and then a Prius. The Prius introduced me to the idea of a car driving on pure electric, even though it only did it for a few blocks at a time. I came to Tesla, not looking for a luxury car or a sports car. I drove electric for four years before I came to Tesla, and only got my first Tesla after trying to get a Nissan Leaf and getting f**ked over by Nissan for six months. I wanted the Civic of BEVs (Leaf) and couldn't get it, and Tesla was the only alternative.
The Model 3 is the most luxurious car I've ever owned, but all I wanted was to drive electric, and the Zap Xebra that I drove for 4 years before that was underpowered and only went 40 miles to dead empty.
I could choose to pay a couple thousand dollars in capital gains tax to sell stocks and pay the car in full, or I could borrow money at 1.5% interest and pay it off using cash flow. 1.5% interest is less than current inflation. I chose the second option.
If you can get a car loan for 1.5% interest, heck yeah, go for it! Normal people pay around 5% for car loans, depending on the term of the loan. Or around 4% for home loans. Heck, if you can get any kind of loan for 1.5% jump on it. I'd borrow 100 million at 1.5% if I could, and I'd put it in a safe Vanguard bond fund paying 3.5%.
Normal people pay higher interest on any kind of loan than we can get on any but the riskiest investment.