Being in business and construction specifically what I have learned over the past 25 years is that cash is KING. Cheap interest rates are what makes my method work for me. I put a down payment to get the monthly number that I can live with. Sometimes its a lot, sometimes its not. I do that because when things go bad and they always do, turning equipment or vehicles into cash doesnt work so well. Having cash on hand allows me flexibility during down times. It kept me alive during the 2008-2011 years when other guys were dumping equipment for dimes on the dollar. It also gives me a killer credit rating. The commercial salesman had never seen a credit rating as high as I have. That CR saves me money on insurance, makes bonding much easier and cheaper. So I pay some interest (always less than what a CU advertises because of CR), but in the big picture I get that back, either in actual return, or in peace of mind.
This may not make sense for others, but it works for me.
Now back to the game....I am really interested in hearing a tow report on this new 2020. Test driving them in the lot, only scratches the surface both good and bad. I have seen more and more of these on the road. I think they look good.