The last consideration was that I felt that I had gotten a good deal on this car. MSRP, including destination charge, on this baby was $18,355. Edmunds' TMV price for my area is $17,529 while the invoice price is reported to be $16,944. The dealership I went to sold it to me for $16,632. I could have gotten another $200 off if I had settled for silver, gray, or beige. I did seriously consider it, but in the end I felt that the $200 is worth a color that I L-O-V-E, especially since I plan to keep this car for the next two decades. Total price, including taxes and fees, came to just a few dollars over eighteen grand, and the dealer did not try to push any of the extras on me.
It is interesting how human psychology works. If one of these three factors did not exist, I don't think I would be as happy as I am now.
I also applied for the 2.9% financing, since I can put the cash into a savings account paying 5% (In my finance class, I think this is called a risk-free arbitrage opportunity). The financing should be no problem, but I have heard horror stories of people driving the car off the lot and having their app rejected two weeks later, after they've spent hundreds of dollars on insurance, maintenance, third-party supplies, etc.