Threxx

The difference between the LS and GS is astounding in terms of how they drive. Nobody can really describe it to you in words, you need to just test drive them both and see which you prefer.
I hear guys talking about the ES350 and GS350 and acting like the ES is a better deal because it has a similar motor, similar options available on the options list but I always wonder if they've ever really driven both, as to me there is a WORLD of difference in how they drive. The GS just feels much more substantial and solid and has a much more precise feel when driving, too.

I agree completely. There's a pretty wide margin between what I could afford and what I want to buy. "Is it worth the extra $$" is probably question I will always have in mind no matter how well off I end up being in life, for better or for worse.

Now if the man was looking at a brand new Ferrari and was asking what interest rates were available and how much maintenance was going to run him, then I might at least start to question the situation... though even then he could just be asking to be an educated consumer and because I know a lot of people will get a loan on a car or house if the rate is below prime, and made the difference in profit on investments.