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I guess whether it's "dumb" or not would depend on which used car you're buying. But if you find a clean car, you should be ok. Did you have any specific concerns?
If paying $12,000 less for a car that originally listed for $36,000 is dumb, then that's what I am. Just find one that appeared to be babied and has low miles.
Not at all. There is risk involved buying a used car: you have little idea about the previous owner’s driving habits or care. On the other hand, be assured that the price is discounted to compensate for any risk. You get what you pay for.