I agree with most of your estimates but $300-$400 per month will put you in the luxury sedan category. If that is your kind of thing perfect, but is definitely

I agree with most of your estimates but $300-$400 per month will put you in the luxury sedan category. If that is your kind of thing perfect, but is definitely outside of range of what most people pay for a car. Perhaps it depends on where you live, but I have seen a fully loaded Accord (without navigation) go for $250-$300 per month, and that is a very nice car.