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I don't think we can be helpful in your situation. It's your life and you decide on what's more important to spend more money on. On the paper, I think the lower rate and shorter term with higher payment makes more sense. However, it really depends on how comfortable you are to stretch that extra $200/month. For some $200 is only pocket change and for some that makes night&day difference. Obviously for m3 buyers, having a car to drive for work/school isn't the only reason they choose this particular car. If you can live comfortably with the monthly payment, nothing is wrong though.
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Must stop eating..............
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