Exactly wiser.. Mattones if you've got the dough... put it in something guaranteed... like a 4.5% GIC or even a monthly GIC/high interest account etc and don't touch it. Let GMC/Chrysler loan you the money at ZERO cost. What you make on the GIC will cover part of your insurance even when all is said and done.
Darn near every car dealership has last years models offered at Zero.. and even this years in some cases are as low as 0.9 %... and that's on top of the sale price being down by about 30% on many. Have seen many truck ads for example... list $36,000.. sale $24,000