Very tough one jeff. For me the decision was based on pure passion for the car... there wasn"t an ounce of "practical" involved other than I could come up with the money to pay. Actual waiting here was more like 2-1/2 years... as opposed to months. My personal level of passion for the car enjoys just being able to say goodnight to the car as I close the door to the garage each night. As for payments... you can start now and you will be paid off that much sooner. As for insurance... I save $75 a month over my regular payment when not actually driving it. As for practical... well... I guess I never considerd that or I would probably never own an SRT8 Challenger.

Good luck with your decision... I am sure there are so many dynamics to everyones particular situation that there is no "one size fits all" answer. Cheers!