TomT said:"your mileage may vary"..."all rebates to the dealer, annual apr 24% plus one arm and one leg; the representations of your vehicle salesman are not to be taken literally, and are subject to revocation/revival/ or recantation at any time"...
It's a subjective choice. There is a tradeoff involved, and different people will see the useful break point at different places in the spectrum of choices.
Prices slightly higher in the West and the South.
Kind Regards,
David