You handled that exactly right. Many, many people only care about their monthly payment and I believe that's why so many sales people ask questions that have nothing to do with the actual money difference. To those in the know, it is very frustrating. Including my new GX, I actually had two other deals made sight unseen for the Genesis, and a L Certified LX. I cut to the chase with these guys and tell them that I am going to buy a car "today" IF the money difference is right and I like their vehicle. They sputter and say they haven't seen my car and give you a low ball number. I get my cars detailed every year, so I tell them let's play "what if"- - If they agree that my car is in the condition I claim it is, then they give me the high number that we've agreed to. In each case, I had no dissension from my characterizion of the quality of my trade in. I tell them that I'm not going to pay for "lifetime warranties, paint and upholstery protectent, etc. etc. etc." It takes all the BS games many like to play out of the equation. I've also asked the sales person if it helps them or makes a $$ difference to them personally if I write a check or finance it. Some deals they make an extra $100 bucks if it's financed. I tell them that as long as there's no prepayment penalty that I'll do that for them. The Lexus dealers were much more straight forward than the Genesis and most other dealers I've delt with over the years. Sounds like you're doing your homework and know what the real numbers are. Bottom line, it's YOUR money. Do what's best for YOU. The dealers always win no matter what they tell you. Good luck!