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While I bought my car, I do not have a problem with leasing. All cars lose their value. The whole “you have nothing to show for your money” argument does not really resonate with me.
Scenario 1: You buy a car for 30K, drive it for three years, then 3 years later you get a 15K trade in value. You’ve lost 15K and paid tax on 30K.
Scenario 2: You lease the same car for 3 years (assume you pay the 50% of depreciation over 36 monthly installments of 416). At the end of the lease, you’ve lost, you have guessed it, 15K (but only paid tax on 15K!).
Now, imagine with both scenarios that you have 30K cash before you go to the dealer. Would you rather give up all your cash with the purchase (scenario 1) or keep 30K in a certified deposit (scenario 2), effectively drip-feeding your hard-earned to BMW via a lease?
As far as options go, it depends. If the option(s) increases both the sale price and the residual price equally (e.g. new car price and end of lease price), it's not likely to increase the monthly cost of the lease. Remember, with the lease, in theory, you're only paying depreciation and a bit of financing costs (30,500 – 15,500 is the same as 30,000 – 15,000)
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