Did I make a mistake in Financing? How long do you finance?

It seems to me, from reading the OP's posts ( if I understood them correctly)

he is in pretty deep on his toys. ( as in tapped out on a monthly basis)

That all works, making payments etc, until one little thing upsets the apple cart. As in an unplanned expense. Be it medical , or the fridge blows up

Me personally I would rather have fewer toys, and more money in the bank to cover,

those expenses in life that always come up. Much less stress for me