[04yellowS]

However, you have made one mistake. you could own the cab for six months, and if you didn't like it, you could trade it in for a hard top without losing any money - currently 0% depreciation - so you have a free chance of seeing if you like the car or not - why not take it? You don't usually get the chance of something for nothing, why not have 6 months free cabriolet driving?

Just a thought.

O% depreciation?!

Not if you're trading it in at a dealership. They will never offer enough for the car. Besides, you'll be financing an S Cab but you'll only have a tin top S....way upside down on the notes.