bits/bytes. your right, your not that far off. But sometimes, an extra 7-8K can mean payments out of the realm of one's comfort zone.
I paid a little more than I should have for my car, due to a stupid thing I did. The story was in E46 prior to the lost posts/members. Anyway, I first bought a 2001 Z06 Corvette with 5K miles on it. I paid 35,900 for that car. I let my daughter influence me on that car to get it, plus the fact, I'd always wanted a Vette from a long long time ago, and never had one.
After finding out it scraped every time in and out of my hillside driveway, and I mean undercarriage once, not just plastic, and realizing that I just wasn't that comfortable in the car, I did a crazy thing. After owning it only 2 weeks, I went back to the BMW dealer that I bought the vette from (actually went in to look for a bmw), and traded back for the 330ci, after pleading my case. I basically told them, you've made a sale, I've got an alternate trade in another town already worked out, but if you want to make a customer, your going to have to help me get back in a bmw. I had my eye on an M, but at that point, it would have taken 20K to get in it out of the Vette. I think they were loaded in that car. So, he walked me out and showed me the 330ci just as it had been traded in, not even cleaned up. He said he'd trade for 1000.00. Well, I wasn't able to look at a book to check values, I had to just do it. I did get it for 1K including the additional tax at least. But it put me at 36,900 in the car. I've since checked value, and the price one would expect to get is 35K. However, the Vette wasn't going to bring that it didn't look like, at least not on trade, and to retail it, I'd had to wait until spring likely, and then loose all my sales tax. I did the smart thing and get out of it.
Long story short, the 02 M they had recently at 44,900, would put me out of budget, so I got the car that makes sense for me and my budget. It's a nice car though, no regrets!
<img src='http://www.matrixav.us/doug/m3/m3_sig.jpg' border='0' alt='user posted image' />