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Every dollar you pay at delivery is at risk, period, It should ALL be built into the payment. And I didn’t say you don’t know how to lease, I said it’s nice to see many of us actually do!
If you bail out of the lease a few months early like many of us do, or if the car is totaled or stolen, you made a mistake, So, if all goes perfectly, and you drive the car exactly to term with no loss, you’re fine.
So tell me why I would take that risk? I even build in the wheel and tire insurance for the same reasons. Why pay up front and own the insurance for 36 months? Am I guaranteed to have the car for 36 months? No. Have never kept a car to term.
Hope this helps.
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