Sure, but when 99% of buyers walk into a dealer to actually buy a vehicle, they're told, and they're negotiating, and their budget is all entirely based on mont

Sure, but when 99% of buyers walk into a dealer to actually buy a vehicle, they're told, and they're negotiating, and their budget is all entirely based on monthly payments. To a degree it doesn't even matter what the MSRP actually is... because of interest and financing and all the rest virtually nobody winds up paying that amount. (excluding cash buyers of course, which I'm assuming is a very, very low percentage of buyers). The car could be $40k or $80k, it simply doesn't matter and the buyer doesn't even care. If they can't afford the monthlies, they won't buy. If they can, they will.