To throw another bug in the equation is the Ram Lifetime warranty. The catch is when the repair costs more than the NADA value of the vehicle they pay out the value and the warranty is done. It's not transferable so you must keep the vehicle for it to pay off. Also, I don't think it's available on diesels. If you keep the vehicle and don't modify something to void the warranty there is virtually no way you won't get your money back.... someday. Granted, you are loaning them the money interest free but it will come back to you someday.