I assume the following 3 hypotheses, which doesn't duplicate and instead only narrows https://money.stackexchange.com/a/38838/10763, https://money.stackexchange.com/a/15812, https://money.stackexchange.com/a/21617, https://money.stackexchange.com/a/39314.
- The car is only intended for daily commuting purposes in a major Canadian city (eg Toronto or Montreal). I expect snow but nothing off-road (I'll avoid driving during a blizzard).
- My interest in cars is purely utilitarian; I intend to drive it for as long as serviceable (until it fails or a maintenance incident outweighs the costs)
- I can pay in cash the total cost of the car now upon receiving the keys from the dealer.
- I'll try a brand that offers lower maintenance and upkeep costs (eg Honda, Volkswagen?)
The many answers in the linked questions above suggest that the best choice is to settle the cost of car outright and fully. Yet for want of a balanced view, are there any sound counterarguments? Or do my hypotheses categorically imply an answer?