As long as you don't sell it (for a long while) and can afford it, don't worry about it. Those are the only two times that it makes that much of a difference in the grand scheme of things. I know for me, I hate paying dealers for not doing a whole heck of a lot but they're in business to make money.
I bought a 335 in excellent condition for what I thought was a very good deal. Now I will have to take a sizable loss - based on what I have it advertiesed for - but if it floats your boat (enough), its not worth worrying about.
2006 M3 6MT
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2005 G35 6MT