Not for us. I knew we would drive it for many, many years so we ordered one with everything we wanted. For us it was worth it. We have had it almost 6 years now and still love it and glad we ordered exactly what we wanted.
That said our other vehicles are bought with cash but we knew there way no way we could get our 12 passenger with everything we wanted and the color also unless we ordered. We just bit the bullet and ordered.
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