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The one thing I think you need to take into consideration is shit happens. What happens in a year from now you have a major life change, ie job loss, family situation, etc. and you need to change/get rid of your car. You now own a car that has had a decent amount of damage to it that affects its real world value. Is your BMW store going to guarantee the value of the car to be the same as one without damage??? Probably not and this is coming from a guy who was a sales mgr in the car business for 8 years. Just some food for thought.
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