For all major purchases I try to get a great deal up-front which helps to offset the thought of what interest is costing over the life of the loan...
For instance, we sold our last home BEFORE the recession, making a 30% profit. We then waited for the recession prices to bottom-out by living almost a year in a family member's (very small) house... We then bought our current large home with land in the country for 20% less than the lowest recession appraisal, so today it's worth about 35% more than we paid & it appreciates about 3% per year. As long as we are not in the middle of another recession if/when we sell, the interest paid will almost be a wash...
Likewise, we bought a new Honda Odyssey for $24K when the best deals around were $27K+... We paid it off early, so interest was around $3,000, or about the same as the difference between what we paid & what others paid (long story about the deal...)
More recently, we bought a (used) 2 year-old Ram 2500 for just $14K when book value was $18K. Even with NO money down, it has always had equity - even friends have offered to pay more... We're also paying it off early, so total interest paid will be less than $3K...
It was harder to find a truly great deal on new/used TTs because a lemon will cost more than you save in any bottom-dollar deal... However, we chose to buy a gently used TT for around $20K, or 30% less than best wholesaler/sale prices of new ones... I closely inspected over 30 new/used TTs before choosing this one, and it has been absolutely trouble-free for over 2 years of camping 30+ days per year... Now THAT's money in my pocket! We're also paying this loan off early, but will still pay about $5K in interest altogether... IMO this trouble-free TT is worth $25K to me so I feel I am getting a good VALUE...
So, IMO if purchase price + total interest is less than what others are paying cash, I'm a happy camper, pun intended!
2011 RAM 2500 ST Crew Cab 5.7 Hemi
2011 Primetime 3150BHD Touring Edition
Days camped in 2016-36
Days camped in 2015-37
; Days camped in 2014-31