Forum Discussion
ShinerBock
Oct 04, 2020Explorer
wing_zealot wrote:
Yes, of course, the people that do this every day for a living for 15 years aren't the experts; the RV.Net guys are the experts. My Bad.
This from the guy that says the insurance for a diesel is "under $5" more. (maybe he meant per day?).
And some day let's talk about the lost oppurtunity cost on the $10.000.00 up front cost of the diesel.
Oh, never mind, once again I forgot I was questioning the experts.
No, they aren't experts. They are good with numbers and analyzing existing numbers, but they are poor at where they are getting their numbers. And yes, the difference is only $5. In fact, my BMW car and wife's Infiniti SUV costs more per month than my Ram 2500, and the BMW is the same year model while my wife's Infiniti is two years older than my truck.
The "lost opportunity? of the $10k upfront cost is only valid if you paid cash which would be a dumb idea to do in the first place if you can get a lower interest rate than what you would make on that money in investments over the term. Most people finance it so they don't have that $10 to begin with. So would the $10k spent going from the base trim to a Lariat trim(it is over 11k in the Ram) be a "lost opportunity"? What if one decided that he would rather spend that $10k on a diesel option rather than the higher trim level option? Would that still be a "lost opportunity"?
Why is it only a "lost opportunity" when discussing diesels, but not gas engine upgrades, trim level upgrades, 4wd upgrades and so on? Why is the diesel the only one that has to have a "pay back" to justify it yet turning around and spending $10-11k on a Lariat/Laramie trim needs not justification? Or upgrading to a higher power gas engine option and 4wd (even though it uses more fuel and cost more money in the long run) needs no justification of a pay back to be worth it, yet getting a diesel engine option upgrade needs justification even though it is the only one out of all of the truck options that has some form of payback through fuel and resale? I don't understand the thinking around that.
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