do you normally commit to - and pay a sizeable deposit - ten years before you take deilvery of a new car?
And that $50k deposit made 9 years ago? That could have been nearly $300k in 2036.
"A fool and his money..."
I don't have any particular problem with a modest (a few 10s of thousands) deposit on a ~3 year timeline that's reasonably confident. But six figures on a 100% speculative consumer good (ie not even remotely an investment)? Oof, no thanks.