My opinion is if you are going to keep the car I would refi because even though
you're making a lesser payment now, that baloon payment at the end is
waiting for you to deal with it. So I would add to my current payment rather
than paying it later.
Just like leasing a car to buy it later does not make any sense financially.
2012 E92 M3 | Alpine White | Extended FR | DCT | Premium | Competition | BMW Apps | M Performance Exhaust | CF Front Splitters | V1 M Steering Wheel