I look at it like rent, unless of course one can purchase outright with cash and not owe a penny. But, buying outright in cash, one still loses!

"In the end, the house always wins" (quote from Casino).
So, finance or lease, one is renting a vehicle; paying bi-weekly/monthly payments for it.
The deprecation on a finance sets in immediately. Unless it's a unicorn that will retain and/or appreciate in its value, and you don't drive it. However, they all hemorrhage valuation loss the second we drive them off the lot, new or used (but especially new IMHO).
Leasing allows someone to really just drive it stock for a certain amount of KM's/Miles per year for a set term and send it back & pick the next one. Still renting it though
For guys like me, I'd rather finance and be able to make my truck my castle for the time I own it, and then trade it in on the next one when it's time.
Heck, I just did that not even 4-months ago, and even at almost 170,000Km's on the 19' I bought new, I got the dealership to fully pay out my remaining finance balance on this 19' Express blackout edition and put me into a new Warlock SLT for the same bi-weekly payments because my 19' was in mint condition and looked after so well, plus a lower interest charge, too.
Whilst in warranty one has certain protections and/or rights/claims; caveat though, one must also properly maintain the vehicle to ensure there are no counter claims by an OEM to deny said warranty/claims, especially if financing.
I'm personally of the opinion that at this point in my life and career, I will run my truck out until my full warranty is done, and then at that point I will trade it in and migrate to the next one.
I realize that not everyone can do this, and I really get it. Heck, I can still barely do it as a single Dad with bills and payments to others out my backside, but, I know that I also don't want to deal with major repair costs because I drive so much per year for pleasure and my career (4-months in and over 11,000Km's on my brand new Warlock that had only 46Km's on it when I took it off the lot).
So, I rent and deal with it as best I can.... but dang it, don't I have a great accountant that works for me come tax time every single year!
