well the second one is easy. Finance and immediately pay off.I have been looking into my options as well since it seems like I'm still a year away from getting my ordered car. As it turns out, yesterday I test drove a BMW i4. Liked the car, built one with the salesperson only to find out that this particular dealership was trying to force a $2180 aftermarket "interior/exterior protection coat" AND to make you finance the car with them. They would not sell the car for cash. They claimed it policy to help prevent cars from being purchased and transported out of the USA.