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For me in TX, the trade off is do a single payment regular lease and have the sales tax waived by BMW or do an owner's choice, pay sales tax, collect the tax credit, and pay a little extra per month for "gap" insurance on my car policy. At 6% sales tax and $4700 tax credit, the break even is single-pay lease for cap cost of greater than $78K and Owner's choice for any lower cap cost. Since I like to have the latest tech and get a new model after 2 1/2 to 3 years, I think lease is the best choice for me. I made the mistake of purchasing a 2014 i3 and ate a huge loss after 3 years.
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