Thanks for clarifying, it's a fair point. Especially since lots of folks who don't have the upfront costs will finance it on a credit card and end up paying eve

Thanks for clarifying, it's a fair point. Especially since lots of folks who don't have the upfront costs will finance it on a credit card and end up paying even more in the long run. (Hoping they wouldn't also do that for the monthly charge too, but lots of people finance normal living expenses every month, beyond their monthly income, until their credit breaks under the load)