[aussieshibe]

BMW's heated seats are $589 upfront or $29 per month here.

Auto loan rates are about 7% p/a.

On a 5 year loan of $589, you'd pay $700 including interest. Plus you might recoup some of that when you sell the car.

A monthly subscription for the same period would cost $1740.

[consp]

Same with all lease formulas. You don't have to worry about anything, but you do pay at keast 30% more. For some this can be a good thing but it's not cheap.

Wordt lease offenders I've seen so far: bikes. You repay it in about a year.