I hear ya there. But along with new car payments , comes higher insurance and costs. But better milage, turn key starts and comfort do have thier pluses. personally I can't see makeing car payments, they say it is the biggest loser of worth , drive off the lot and down a few thousand allready. Not to say if you keep it well past it's payments it isn't worth it, but then repairs start to add up as it gets older. Kinda a catch 22 , wish I had knowledge of the swap to help, sorry.