And also you are likely to buy a car that you will only get in a year (or more) and half the electronics might be missing their chip. You'll get all sorts of garbage car apps and features that are meant to be deactivated in a few years when the subscription model is mainstream.

So I just bought a 2011. Standard transmission, 160k km, no monthly payments. Even with the worse possible maintenance/repair and the high prices for gas, I easily saved 25k. I could change the entire engine 5 times and it would still be cheaper than one major repair on new cars.