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Well, long story short, the bank made an error in the financing, and the dealer had some errors with the p&s. Basically, I had a couple options and mulled them over. I decided to wait and pay off a small personal loan I have, and then look in the spring, instead of doubling my payment now, plus that personal loan. I wouldn't have been able to drive it until the spring anyway!
Good decision, best if you dont rush into things and screw yourself...you wouldnt have been able to enjoy it till spring anyways