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Yes, the MSD's are a good idea, of course; But i wouldn't criticize someone for doing both MSD and a cap reduction in order to get a monthly lease payment that they're more comfortable with. To each his own. And the risk of totaling your car is so minute that 99% of people shouldn't have to worry about it. In my family, over a period of 40 years and dozens of cars, we've managed to total one vehicle. (And that was a very light, Toyota Twin Cam RWD with summer tires on frozen pavement.)
And you are correct invoice pricing IS attainable. Dealers are compensated in a bunch of ways that we're not always aware of. Like I said, I paid about $500 below invoice. If you're well informed and patient or lucky you can get a really good deal. For a majority of people, though, buying a car is a dreaded experience. And paying a couple of hundred bucks more to avoid haggling isn't so bad. (Had a dealer not taken me up on my offer, I would have been fine paying $500-$600 over invoice.
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