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yes - I have MSD. All the scenarios I used included them.
I only have one car, so though I could get equity out of this one, I would have to just buy another car, and I like the M5. Given almost no changes between 2021 and 2023, it doesn't make sense to me. In December 2023, I'll buy my car, a 2021 M5 with known history and estimated 18,000 miles for $72K, which will be a good deal.
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