Sorry but i still don't see your math being better than my example, unless my son having a fender bender in my car is mandatory?
I guess we'll agree to disagree on this one. Too many people are happy to borrow for things they want today, but in reality cannot afford. Rather than save, they borrow money to borrow the item they lust after.
Now bring in the sudden loss of an income, due to accident, ill health or redundancy and you have another debt looming over your finances
I'm happy with my choice and plan to keep the x3 for 8+ years
